| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 250 INTERNATIONAL PKWY STE 330 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $32K | $36K | 2.42% |
| HYLANT GROUP INC3 | 8 CADILLAC DRIVE SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 15.04% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $966 | $3K | 13.58% |
| HYLANT GROUP INC3 | 810 THIRD STREET NEPTUNE BEACH, FL 32266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $0 | $648 | 3.05% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $0 | $335 | 1.58% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $0 | $228 | 1.07% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 22252 SANDRA LANE MCCALLA, AL 35111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.29% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 Filed as: NORTH FLORIDA BENEFIT SOLUTIONS | 12659-1 PLUMMER GRANT RD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.08% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $112K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $133K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $112K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 192 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.