| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 11.97% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139K | $84K | $222K | 95.14% |
| ASSURANCE AGENCY LTD3 Filed as: INDPENDENT ASSURANCE LLC | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $52K | $65K | 27.94% |
| MACDOUGAL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $17K | $32K | 13.51% |
| H&M OLORTEGUI AND ASSOCIATES3 | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $271 | $6K | 2.50% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $195 | $4K | 1.68% |
| ESQUIEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $100 | $469 | 0.20% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $140 | $295 | 0.13% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $47 | $202 | 0.09% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $2 | $98 | 0.04% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $6K | $49K | 47.95% |
| ASSURANCE AGENCY LTD3 Filed as: INDEPENDENT ASSURANCE LLC | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $17K | $22K | 21.45% |
| MACDOUGALL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 10.28% |
| H&M OLORTEGUI AND ASSOCIATES3 | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $144 | $3K | 3.04% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 1.68% |
| ESQUIEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $58 | $272 | 0.27% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $62 | $130 | 0.13% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $21 | $89 | 0.09% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.03% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | UNUM INSURANCE COMPANY OF AMERICA | $3K | $219 | $3K | 21.60% |
| MAF COMPANIES INC3 | 2000 SPRING ROAD SUITE 511 JACKSONVILLE, FL 32202 | UNUM INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.11% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 342 | $336K |
| Dental | AETNA LIFE INSURANCE COMPANY | 608 | $265K |
| Vision | AETNA LIFE INSURANCE COMPANY | 608 | $265K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 608 | $265K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 17 | $14K |
| Other | AETNA LIFE INSURANCE COMPANY | 608 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.