| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NELSON BENEFITS GROUP LLC Filed as: NELSON BENEFITS GROUP | 33054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 14.14% |
| LARRY MCGLOCKTON | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 11.70% |
| JUSTIN PINKER | 17166 CUNNINGHAM FARM HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $899 | $2K | 4.75% |
| TERESA R MASK Filed as: TERESA MASK | 12341 YELLOW BLUFF JACKSONVILLE, FL 32226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $272 | $1K | 2.96% |
| CAPTURED MOMENTS BY KATE LLC | 14244 PALMETTO SPRINGS ST JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $890 | $412 | $1K | 2.65% |
| PETER C BENES Filed as: PETER BENES | 808 ELMWOOD ST ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $499 | $938 | 1.91% |
| CLINTON HARDY TALBERT Filed as: CLINTON TALBERT | 1564 ARCADIA DR STE 513 JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $55 | $697 | 1.42% |
| SARAH KATHERINE BAILEY Filed as: SARAH BAILEY | 877 SOUTHERN CREEK DRIVE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $0 | $474 | 0.97% |
| S & B INSURANCE SOLUTIONS LLC Filed as: S&B INSURANCE SOLUTIONS LLC | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $212 | $372 | 0.76% |
| WILLIAM M MOODY Filed as: WILLIAM MOODY | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $282 | $338 | 0.69% |
| CHRISTINE SPAULDING | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $25 | $38 | 0.08% |
| JOHN VRABEL | 24501 DEER TRACE DR PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $13 | $33 | 0.07% |
| ANGELA YVONNE PLUMMER Filed as: ANGELA PLUMMER | 15454 HOWARD RD BRYCEVILLE, FL 32009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 178 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.