| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.50% |
| THE ELITE GROUP LLC3 Filed as: ELITE INSURANCE LLC | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $684 | $23 | $707 | 1.04% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $4 | $231 | 0.34% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $6 | $55 | 0.08% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON RD JACKSONVILLE, FL 32219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| CHRISTINA S OSSI3 | 2433 SEGOVIA AVE JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.03% |
| EMILY SLUSHER3 | 504 WINDERMERE WAY ST AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| HEATHER CRAFT JOHNSON3 | 782 SULPHUR SPRINGS RD LINCOLN, AL 35096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $68K |
| Vision | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 97 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.