| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 13.76% |
| MACDOUGALL BENEFITS LLC3 Filed as: MACDOUGALL BENEFITS, LLC | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $319 | $2K | 9.35% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 810 THIRD STREET NEPTUNE BEACH, FL 32266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $0 | $544 | 2.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET ATLANTA, GA 30318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.58% |
| ADAM ROBERT MACDOUGALL3 | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $21 | $32 | 0.15% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE SOUTH SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| DOROTHY RING3 | 8300 PLAZA GATE LANE APARTMENT 1184 JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| NORTH FLORIDA BNFT. SOLUTIONS, INC.3 | 12659-1 PLUMMER GRANT ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 211 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 211 | $1.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 211 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $75K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $21K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $54K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 211 | $1.9M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 211 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.