| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL STREET JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 11.02% |
| ELITE INSURANCE ASSOCIATES LLC3 | 1710 SHAWDOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 8.89% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $695 | $284 | $979 | 1.22% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD ROAD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $469 | $184 | $653 | 0.81% |
| CATHERINE UNDERWOOD3 | 601 PARK LAKE DRIVE PONTE VEDRA, FL 32081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | — | $581 | 0.72% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON ROAD JACKSONVILLE, FL 32219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 0.70% |
| EMILY SLUSHER3 | 51 LONE EAGLE WAY PONTE VEDRA, FL 32081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $393 | $1 | $394 | 0.49% |
| DENISE COLE3 | 5011 BRANCH LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 0.38% |
| PINKER INSURANCE INC3 | 17166 CUNNINGHAM FARMS PLACE HILLIARD, FL 32046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.07% |
| BENJAMIN D ROBERTSON3 | 471 WEST 70TH ST JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.06% |
| CHEYENNE LEFAIVRE-LINDSEY3 Filed as: CHEYENNE LEFAIVRE LINDSEY | 3529 COLLEGE PLACE JACKSONVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $12 | $41 | 0.05% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC3 | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 123 | $80K |
| Vision | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 123 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.