| 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 | $35K | — | $35K | 12.62% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54K | $11K | $65K | 25.18% |
| MACDOUGAL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $13K | $36K | 14.02% |
| H&M OLORTEGUI AND ASSOCIATES3 | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.64% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.48% |
| ESQUIEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $28 | $99 | 0.04% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $26 | $72 | 0.03% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $7 | $53 | 0.02% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $4K | $21K | 19.59% |
| MACDOUGALL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 8.73% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | — | $926 | 0.85% |
| H&M OLORTEGUI AND ASSOCIATES3 | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $903 | — | $903 | 0.83% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $21 | $58 | 0.05% |
| ESQUIEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $15 | $53 | 0.05% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $6 | $43 | 0.04% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | UNUM INSURANCE COMPANY OF AMERICA | $6K | $503 | $6K | 21.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06126 | $277K |
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 | 248 | $369K |
| Dental | AETNA LIFE INSURANCE COMPANY | 882 | $281K |
| Vision | AETNA LIFE INSURANCE COMPANY | 882 | $281K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 882 | $281K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 16 | $30K |
| Other | AETNA LIFE INSURANCE COMPANY | 882 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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.