| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.41% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 W CAMINO REAL STE 403 BOCA RATON, FL 33433 | PACIFIC LIFE INSURANCE COMPANY | $60K | $0 | $60K | 25.66% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57K | $30K | $87K | 47.34% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 3.17% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 2.94% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST SUITE 1304 NEW YORK, NM 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $439 | $850 | 0.46% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $20K | $57K | 51.91% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 3.07% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.07% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $313 | $678 | $991 | 0.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 707 WESTCHESTER AVE WHITE PLAINS, NY 10604 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,624 | $15.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,574 | $909K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,574 | $909K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 696 | $850K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 696 | $909K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,624 | $15.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 696 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.