| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM HAYES3 | 111D SOLANA RD PONTE VEDRA, FL 32080 | NORTHWESTERN MUTUAL | $3K | $737 | $4K | 6.43% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $466 | $2K | 4.06% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $955 | $115 | $1K | 1.88% |
| WILLIAM HAYES3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $1K | $336 | $2K | 5.51% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $949 | $240 | $1K | 3.93% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $456 | $55 | $511 | 1.69% |
| WILLIAM HAYES3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $835 | $355 | $1K | 7.31% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $663 | $282 | $945 | 5.81% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $300 | $34 | $334 | 2.05% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 104 | $16K |
| Short-term disability | NORTHWESTERN MUTUAL | 104 | $30K |
| Long-term disability | NORTHWESTERN MUTUAL | 104 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.