| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTIE DAVID FOSTER LUTCF | 7077 BONNEVAL RD STE 380 JACKSONVILLE, FL 32216 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $128K | $128K | 3.28% |
| HYLANT GROUP INC3 | 250 INTERNATIONAL PKWY STE 330 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $128K | $128K | 3.28% |
| DAVID FOSTER3 Filed as: DAVID M FOSTER | 3331 ST. JOHNS AVE JACKSONVILLE, FL 32205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $166K | $2K | $167K | — |
| HYLANT GROUP INC3 | 8 CADILLAC DR SUITE 230 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | — |
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 | 951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 115 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $6.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 951 | $2.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $0 |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $0 |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $6.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 951 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.