| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $229K | — | $229K | 16.59% |
| WHD, LLC3 Filed as: WHD | 233 EAST BAY STREET STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 2.49% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY ST., STE 630 JACKSONVILLE, FL 322023447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113K | $14K | $127K | 14.29% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E. BAY ST., STE. 630 JACKSONVILLE, FL 322023447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 4.17% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY ST., STE. 630 JACKSONVILLE, FL 322023447 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 9.99% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 5.22% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 3.24% |
| RANDY HALLMAN3 | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| THOMAS WALLACE JR3 | 57 WYN OAK DRIVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Contract Administrator Service code 13 | — | $25K |
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 | 1,112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $4K |
| Vision | AETNA LIFE INSURANCE CO. | 2,167 | $158K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,316 | $891K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,316 | $891K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,128 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,316 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,167 | — |
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.