| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | 12724 GRAN BAY PARKWAY W STE 410 JACKSONVILLE, FL 32258 | HEALTH OPTIONS | $28K | — | $28K | 3.83% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | 12724 GRAN BAY PARKWAY W. STE 410 JACKSONVILLE, FL 32258 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 4.00% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS INC. | 12742 GRAN BAY PARKWAY W SUITE 410 JACKSONVILLE, FL 32258 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST. STE 234 PHOENIX, AZ 85018 | HUMANA INSURANCE COMPANY | — | $66 | $66 | 0.09% |
| BENEFITS PLANNRES, INC.3 | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS INC. | 12724 GRAN BAY PARKWAY W JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.82% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR. FERNADINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | $106 | $873 | 6.28% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST. STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 1.66% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 15 | $185K |
| Dental | HUMANA INSURANCE COMPANY | 82 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 82 | $70K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $8K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 72 | $907K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.