| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL STREET JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.08% |
| ELITE INSURANCE ASSOCIATES LLC3 | 1710 SHAWDOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $408 | $2K | 2.21% |
| NELSON BENEFITS GROUP LLC3 | 35054 KAREN RD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $863 | — | $863 | 1.15% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $38 | $319 | 0.43% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD ROAD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $18 | $146 | 0.20% |
| PETER C BENES3 | 808 ELMWOOD STREEET ORANGE PARK, FL 32065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC3 | 15770 JIM CT JACKSONVILLE, FL 32218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON RD JACKSONVILLE, FL 32219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.05% |
| CATHERINE UNDERWOOD3 | 601 PARK LAKE DRIVE PONTE VEDRA, FL 32081 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| BENJAMIN D ROBERTSON3 | 471 WEST 70TH STREET JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| DENISE COLE3 | 5011 BRANCH LANCE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| PINKER INSURANCE INC3 | 17166 CUNNINGHAM FARMS PLACE HILLIARD, FL 32046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| CHEYENNE LEFAIVRE-LINDSEY3 Filed as: CHEYENNE LEFAIVRE LINDSEY | 3529 COLLEGE PLACE JACKSONVILLE, FL 32205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.01% |
| JOHN VRABEL3 | 1527 4TH AVE NORTH JACKSONVILLE BEACH, FL 32250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 136 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.