| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $670K | — | $670K | 21.11% |
| WHD, LLC3 Filed as: WHD | 415 HOPKINS STREET NEPTUNE BEACH, FL 32266 | AETNA LIFE INSURANCE CO. | $201K | — | $201K | 6.33% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.07% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY ST., STE 630 JACKSONVILLE, FL 322023447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182K | — | $182K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | — | $36K | 5.00% |
| BENEFIT ADVISORS SERVICES3 Filed as: BENEFIT ADVISORS GROUP, LLC | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 0.57% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138K | — | $138K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.56% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY ST., STE. 630 JACKSONVILLE, FL 322023447 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 9.99% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $313 | $313 | 0.56% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.63% |
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 | 1,473 | 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) | 1,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,570 | $185K |
| Vision | AETNA LIFE INSURANCE CO. | 2,570 | $185K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,473 | $727K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,473 | $552K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,415 | $1.1M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,473 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,570 | — |
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.