| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED THOMAS WILKINSON3 | 111D SOLANA ROAD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 10.61% |
| SALAZAR FNCL GRP LLC3 Filed as: SALAZAR FINANCIAL GROUP LLC | 245 RIVERSIDE AVE SUITE 100 JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $957 | $115 | $1K | 1.90% |
| FRED THOMAS WILKINSON3 | 111D SOLANA ROAD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $593 | $3K | 9.06% |
| SALAZAR FNCL GRP LLC3 Filed as: SALAZAR FINANCIAL GROUP LLC | 4345 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $471 | $57 | $528 | 1.62% |
| FRED THOMAS WILKINSON3 | 111D SOLANA ROAD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $988 | $3K | 10.36% |
| SALAZAR FNCL GRP LLC3 Filed as: SALAZAR FINANCIAL GROUP LLC | 245 RIVERSIDE AVE SUITE 100 JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $464 | $56 | $520 | 1.63% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 169 | $32K |
| Short-term disability | NORTHWESTERN MUTUAL | 169 | $33K |
| Long-term disability | NORTHWESTERN MUTUAL | 169 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.