| 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 | $23K | — | $23K | 3.32% |
| 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 | 3.02% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS INC. | 12742 GRAN BAY PARKWAY W SUITE 410 JACKSONVILLE, FL 32258 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| BENEFITS PLANNRES, INC.3 | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.44% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS INC. | 12724 GRAN BAY PARKWAY W JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 14.00% |
| MACDOUGALL BENEFITS LLC3 | PO BOX 17204 FERNADINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $256 | $2K | 8.26% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST. STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 1.84% |
| ADAM ROBERT MACDOUGALL3 | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $69 | $107 | 0.57% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.30% |
| BENEFITS PLANNERS INC3 Filed as: BENEFITS PLANNERS, INC. | PO BOX 600293 JACKSONVILLE, FL 32260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.30% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 16 | $229K |
| Dental | HUMANA INSURANCE COMPANY | 81 | $44K |
| Vision | HUMANA INSURANCE COMPANY | 81 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $8K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 69 | $930K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
No prospect flags tripped on this filing.