| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 11.61% |
| NELSON BENEFITS GROUP LLC | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $11K | 8.66% |
| TERESA R MASK Filed as: TERESA R MACK | 1710 SHADOWOOD RD JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 6.31% |
| CAPTURED MOMENTS BY KATE LLC | 14244 PALMETTO SPRINGS ST JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $187 | $1K | 1.06% |
| S & B INSURANCE INC | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $564 | $1K | 0.88% |
| CLINTON HARDY TALBERT | 1564 ARCADIA DRIVE #513 JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 0.38% |
| PETER C BENES | 808 ELMWOOD CT ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $86 | $433 | 0.35% |
| PERRY L JUERGENS | 153 PINE ST ATLANTIC BEACH, FL 32233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $13 | $363 | 0.29% |
| PINKER INSURANCE INC | 17166 CUNNING HAM FARMS PL HILLARD, FL 32046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $46 | $320 | 0.26% |
| WILLIAM M MOODY | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $209 | $285 | 0.23% |
| SARAH KATHERINE BAILEY | 877 SOUTHERN CREEK DRIVE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.16% |
| JOHN VRABEL | 24501 DEER TRACE DR PONTE VEDRA, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.01% |
| ANGELA YVONNE PLUMMER | 15454 HOWARD RD BRYCEVILLE, FL 32009 | 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 185 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 185 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.