| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 14.72% |
| ELITE INSURANCE ASSOCIATES LLC3 | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 11.39% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.42% |
| S & B INSURANCE SOLUTIONS LLC3 | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $395 | $2K | 1.64% |
| NELSON BENEFITS GROUP LLC3 | 29304 PIGEON CREEK RD HILLIARD, FL 32046 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 0.70% |
| CHRISTINA S OSSI3 | 930 LASALLE ST JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $604 | — | $604 | 0.64% |
| MORGAN ELIZABETH STRICKLAND3 | 13540 ASHFORD WOOD CT E JACKSONVILLE, FL 32218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.48% |
| HALEY R BRATCHER3 | 1674 BRIER WAY E JACKSONVILLE, FL 32221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 0.38% |
| TAYLOR NICOLE MOSLEY3 | 10097 PAXTON RD JACKSONVILLE, FL 32219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 0.31% |
| JEFFREY SCOTT BALKCOM SR3 | 54210 SHERWOOD RD CALLAHAN, FL 32011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $123 | $187 | 0.20% |
| MICHAEL PARKER3 Filed as: MICHAEL LEON NIEDZWIECKI | 2352 ALDERMAN OAKS DR JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.16% |
| TIMOTHY MILLER3 | 12178 LONGMONT LN S JACKSONVILLE, FL 32246 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $15 | $38 | 0.04% |
| WILLIAM M MOODY3 | 106 SANCHEZ COURT PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
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 |
|---|---|---|---|
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $94K |
| 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.