| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 9.18% |
| THE ELITE GROUP LLC3 Filed as: ELITE INSURANCE LLC | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $915 | $136 | $1K | 1.29% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $64 | $352 | 0.43% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $25 | $126 | 0.15% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON RD JACKSONVILLE, FL 32219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.12% |
| CATHERINE UNDERWOOD3 | 601 PARK LAKE DR PONTE VEDRA, FL 32081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.12% |
| EMILY SLUSHER3 | 504 WINDERMERE WAY ST AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.09% |
| DENISE COLE3 | 5011 BRANCH LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.06% |
| BENJAMIN D ROBERTSON3 | 471 WEST 70TH ST JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| HEATHER CRAFT JOHNSON3 | 407 THOROUGHBRED RD ST MARYS, GA 31558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| PINKER INSURANCE INC3 Filed as: PINKER INSURANCE LLC | 17166 CUNNINGHAM FARMS PLACE HILLIARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| CHEYENNE LEFAIVRE-LINDSEY3 | 3529 COLLEGE PLACE JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC3 | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $82K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.