| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY MCGLOCKTON3 | 5546 PEARL ST JACKSONVILLE, FL 32208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 13.71% |
| EMILY SLUSHER3 | 504 WINDERMERE WAY ST AUGUSTINE, FL 32095 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | — | $289 | 2.62% |
| ELITE INSURANCE ASSOCIATES LLC3 | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $220 | $33 | $253 | 2.29% |
| CAPTURED MOMENTS BY KATE LLC3 | 4892 CASTLEGATE CT JACKSONVILLE, FL 32256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $8 | $61 | 0.55% |
| ELAINE S TURNER3 | 94033 DUCK LAKE DR FERNANDINA BEACH, FL 32034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $11K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 120 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.