| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.93% |
| ELITE INSURANCE ASSOCIATES LLC3 | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $79 | $2K | 3.48% |
| NELSON BENEFITS GROUP LLC3 | 29304 PIGEON CREEK RD HILLIARD, FL 32046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $811 | — | $811 | 1.35% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $413 | $24 | $437 | 0.73% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $15 | $148 | 0.25% |
| CHRISTINA S OSSI3 | 930 LASALLE ST JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $7 | $136 | 0.23% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON RD JACKSONVILLE, FL 32219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.12% |
| APEX SOLUTIONS GROUP OF FLORIDA LLC3 | 106 SANCHEZ CT PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| WILLIAM M MOODY3 | 106 SANCHEZ COURT PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 107 | $60K |
| 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.