| 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 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 1.64% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK RANDALL WARREN | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $6K | $45K | 21.65% |
| 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 | 2.85% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK RANDALL W | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 2.77% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST SUITE 1304 NEW YORK, NM 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $400 | $0 | $400 | 0.19% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK RANDALL WARREN | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $5K | $33K | 25.02% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7K | $7K | 5.01% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 2.16% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK RANDALL W | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 1.35% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC | 7100 W CAMINO REAL STE 403 BOCA RATON, FL 33433 | SECURIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 707 WESTCHESTER AVE WHITE PLAINS, NY 10604 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,805 | $16.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,641 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,641 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 759 | $789K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $133K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 759 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,805 | $16.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 759 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,805 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.