| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT MILLER3 Filed as: ROBERT PETROCELLI, JR | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 8.00% |
| RANDALL PECK/PECL FINANCIAL3 | 355 SOUTH SILVER PALM ROAD BOCA RATON, FL 33432 | LLOYDS OF LONDON | $231K | $0 | $231K | 115.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL GROUP | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97290 | LLOYDS OF LONDON | $3K | $0 | $3K | 1.50% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $46K | $26K | $71K | 38.87% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $7K | $7K | 3.55% |
| ROBERT H PETROCELLI3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.31% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $868 | $887 | $2K | 1.02% |
| PETER S NOVAK3 | 734 LONGMEADOW STREET, SUITE 312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $919 | $0 | $919 | 0.53% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $238 | $0 | $238 | 0.14% |
| DYE & ESKIN INC3 Filed as: DYE AND ESKIN | 1324 VINCENT PLACE MCCLEAN, VA 22101 | LLOYDS OF LONDON | $6K | $0 | $6K | 30.00% |
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 | 2,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $352K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $352K |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,369 | $266K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,710 | $1.7M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,710 | $1.7M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,710 | $2.0M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,710 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,369 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.