| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY STREET, SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $175K | — | $175K | 9.70% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E BAY ST. STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | — | $138K | 18.39% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 223 E BAY ST. STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.00% |
| WHD, LLC3 Filed as: WHD | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.06% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST. STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.89% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $328 | $1K | 18.79% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $290 | $771 | 10.41% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 7 | $7K |
| Vision | AETNA LIFE INSURANCE CO. | 1,072 | $1.8M |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,072 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,226 | $2.6M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,226 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,226 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.