| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.01% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77K | $32K | $109K | 31.25% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $84K | $84K | 23.99% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $12K | $12K | 3.32% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 355 SOUTH SILVER PALM ROAD BOCA RATON, FL 33432 | LLOYDS OF LONDON | $69K | $0 | $69K | 23.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL GROUP | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | LLOYDS OF LONDON | $9K | $0 | $9K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.77% |
| ROBERT H PETROCELLI3 Filed as: ROBERT H. PETROCELLI | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 7.60% |
| ROBERT H PETROCELLI3 Filed as: ROBERT H. PETROCELLI | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.14% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 734 LONGMEADOW STREET, SUITE 312 LONGMEADOW, MA 01106 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $680 | $0 | $680 | 0.50% |
| BRENDAN C NAUGHTON3 Filed as: BRENDAN C. NAUGHTON | 330 WHITNEY AVENUE, SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $469 | $7 | $476 | 0.35% |
| HOWARD B. COWAN3 | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $144 | $0 | $144 | 0.11% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $5K | $17K | 32.63% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $16K | $16K | 30.51% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 3.44% |
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 | 3,346 | 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) | 3,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,346 | $282K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,346 | $282K |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,635 | $292K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,346 | $1.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,346 | $1.4M |
| Long-term disability(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,346 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,346 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.