| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176K | $40K | $217K | 68.84% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNITED CONCORDIA INSURANCE COMPANY | $26K | $3K | $28K | 16.55% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $3K | $43K | 26.61% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE - SEE LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $7K | $32K | 28.33% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 26.63% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $664 | $11K | 26.57% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 322023447 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 HLTH CONTRACT ADM | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $365K |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 143 | $171K |
| Vision | HUMANA INSURANCE COMPANY | 286 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 803 | $205K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 803 | $234K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 803 | $234K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 803 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.