| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.01% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | EXCEPTIONAL RISK ADVISORS | $71K | — | $71K | 21.92% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | EXCEPTIONAL RISK ADVISORS | $9K | — | $9K | 2.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.03% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $1K | $45K | 16.95% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 2.12% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.44% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | — | $6K | $6K | 2.40% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | — | $200 | $200 | 0.08% |
| ROBERT MILLER3 Filed as: ROBERT PETROCELLI, JR | 120 BROADWAY FLOOR 29 NEW YORK, NY 102710002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 8.82% |
| ROBERT H PETROCELLI3 Filed as: ROBERT H. PETROCELLI | 120 BROADWAY FLOOR 29 NEW YORK, NY 102710002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.77% |
| ROBERT H PETROCELLI3 | 120 BROADWAY FLOOR 29 NEW YORK, NY 102710002 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| PETER S NOVAK3 | 42 CORD GRASS COURT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $539 | — | $539 | 0.40% |
| BRENDAN C NAUGHTON3 | 330 WHITNEY AVENUE SUITE 600 HOLYOKE, MA 010402754 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $410 | $77 | $487 | 0.36% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $70 | — | $70 | 0.05% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $5K | $26K | 26.59% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 4.79% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 4.04% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | $735 | $9K | 15.40% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $997 | $997 | 1.78% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $735 | $735 | 1.31% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $538 | $538 | 0.96% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $227 | $7K | 17.18% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $905 | $905 | 2.15% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $227 | $227 | 0.54% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $371 | $4K | 19.82% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $730 | $730 | 3.77% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $371 | $371 | 1.92% |
| RANDALL WARREN PECK3 | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $614 | $4K | 22.88% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $614 | $614 | 3.22% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $537 | $537 | 2.82% |
| ROBERT MILLER3 Filed as: ROBERT PETROCELLI, JR | 120 BROADWAY FLOOR 29 NEW YORK, NY 102710002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | — | $298 | 8.85% |
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 | 3,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $208K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $208K |
| Vision | AETNA LIFE INSURANCE CO. | 4,192 | $247K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $3K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 917 | $309K |
| Long-term disability(8 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,929 | $2.2M |
| Other(3 contracts, 3 carriers) | EXCEPTIONAL RISK ADVISORS | 33 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,192 | — |
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.