| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP | 8833 PERIMETER PARK BLVD STE 703 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $0 | $30K | 13.36% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 4.83% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.59% |
| PHILIP G. HAUGHT3 | 8833 PERIMETER PARK BLVD STE 703 JACKSONVILLE, FL 32216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| PHILIP G. HAUGHT3 | 8833 PERIMETER PARK BLVD STE 703 JACKSONVILLE, FL 32216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 11.49% |
| HAUGHT FINANCIAL GRP INC3 Filed as: HAUGHT FINANCIAL GROUP INC | 8833 PERIMETER PARK BLVD STE 703 JACKSONVILLE, FL 32216 | HUMANA INSURANCE COMPANY OF NE | $5K | $0 | $5K | 6.10% |
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 | 1,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY OF NE | 614 | $79K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,204 | $225K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 383 | $123K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,252 | $133K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,204 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,252 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.