| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 55 E. LANCASTER AVENUE RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $74K | — | $74K | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | 555 E LANCASTER AVENUE RADNOR, PA 190877300 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | $97K | $213K | 5.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | PO BOX 955816 SAINT LOUIS, MO 63195 | DELTA DENTAL OF INDIANA | $27K | — | $27K | 1.82% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 9.41% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 5.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.82% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 1.59% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.96% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.68% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $329 | $3K | 8.52% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $519 | $2K | 6.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $865 | — | $865 | 2.69% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $469 | $469 | 1.46% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $329 | $329 | 1.02% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $204 | $204 | 0.63% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 402 BOCA RATON, FL 334335510 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| MICHAEL A BOOK3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $776 | — | $776 | 2.55% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $265 | $2K | 12.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $893 | $302 | $1K | 7.57% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $367 | $367 | 2.32% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $265 | $265 | 1.68% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$13 | -$13 | -0.08% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $26 | $197 | 11.74% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $27 | $119 | 7.09% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $42 | $42 | 2.50% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26 | $26 | 1.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 E RANDOLF STREET CHICAGO, IL 60601 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 2,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 3,700 | $30.9M |
| Dental | DELTA DENTAL OF INDIANA | 3,559 | $1.5M |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 3,700 | $31.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,264 | $3.9M |
| Long-term disability(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,264 | $4.1M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 3,700 | $30.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,324 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,700 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.