| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY ST., STE. 630 JACKSONVILLE, FL 322023447 | AETNA LIFE INSURANCE CO. | $426K | — | $426K | 19.37% |
| WHD, LLC3 Filed as: WHD | 415 HOPKINS STREET NEPTUNE BEACH, FL 32266 | AETNA LIFE INSURANCE CO. | $124K | — | $124K | 5.65% |
| 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 | $174K | $12K | $185K | 21.28% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY ST. JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 12.56% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.65% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 33.04% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 21.43% |
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 | 1,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 270 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $112 |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,181 | $163K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,285 | $871K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,285 | $871K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,136 | $1.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,285 | $926K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,181 | — |
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.