| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $55K | $55K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745897 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 11.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 745961 ATLANTA, GA 30374 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 3.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 10151 DEERWOOD PARK BOULEVARD BUILDING 100, SUITE 100 JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $165 | $2K | 12.98% |
| PETER HAGER3 Filed as: PETER CRISPIN HAGER | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $1K | $1K | 9.06% |
| CAPTURED MOMENTS BY KATE LLC3 Filed as: CAPTURED MOMENTS BY KATE, LLC | 4892 CASTLEGATE COURT JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $191 | $1K | 9.02% |
| MJ INSURANCE3 Filed as: RHONDA LEE HAWKE AND VARIOUS AGENTS | 1651 BELMONTE AVENUE JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $39 | $482 | 3.17% |
| CECIL T SALMON3 Filed as: CECIL T. SALMON | 27 RAMBLEWOOD DRIVE PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $170 | $332 | 2.18% |
| MACDOUGALL BENEFITS LLC3 Filed as: MACDOUGALL BENEFITS, LLC | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $42 | $278 | 1.83% |
| JULIA CHAMBERS HAGER3 | 4660 NOTTINGHAM ROAD JACKSONVILLE, FL 32210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $14 | $193 | 1.27% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $136K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $136K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $136K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $136K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.