| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79K | $32K | $111K | 26.98% |
| MACDOUGAL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45K | $18K | $63K | 15.43% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | — | $30K | 7.20% |
| H&M OLORTEGUI AND ASSOCIATES3 | PO BOX 823701 PEMBROKE PINES, FL 33082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.02% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $9 | $56 | 0.01% |
| ESQUIEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 7.30% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 3.73% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $9K | $30K | 27.15% |
| MACDOUGALL BENEFITS LLC3 | 613 S. POKEBERRY PLACE ST. JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $3K | $12K | 10.70% |
| ROBIN THOMASON3 | 631 11TH AVENUE SOUTH JACKSONVILLE BEACH, FL 32250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $359 | $6K | 5.64% |
| HELENA STORY LLC3 | 14148 MAHOGANY AVE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $328 | $1K | 1.21% |
| NELSON G FABAL3 | 17820 NW 84TH AVE MIAMI, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | $21 | $435 | 0.39% |
| TRACI R AUSTIN3 | 8656 FRANKIE MILLS CT JACKSONVILLE, FL 32244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $43 | $372 | 0.33% |
| SEAN MICHAEL STORY3 | 1112 SOUTH MAGNOLIA DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $11 | $340 | 0.31% |
| JENNIFER KARSTING3 Filed as: JENNIFER LOPEZ | 5131 NW 35TH PLACE GAINESVILLE, FL 32606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $16 | $332 | 0.30% |
| TERESA ELIZABETH HATLER3 Filed as: TERESA ELIZAETH HATLER | 3000 IRONWOOD DR TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | — | $269 | 0.24% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $7 | $264 | 0.24% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.21% |
| ANTHONY SCOTT HUGHES3 | 321 STOKES CREEK DRIVE ST. AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $11 | $220 | 0.20% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $3 | $201 | 0.18% |
| GIANKES & ASSOCIATES LLC3 | 1020 W. INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $34 | $59 | 0.05% |
| BRIAN R CHOWNING3 Filed as: BRIAN CHOWNING | 36241 S. GRAYS AIRPORT ROAD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $15 | $40 | 0.04% |
| DANITZA PENALOZA3 | 541 CARRINGTON LANE WESTON, FL 33326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & CO | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | UNUM INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.51% |
| WHD, LLC3 | 233 E. BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | UNUM INSURANCE COMPANY OF AMERICA | — | $372 | $372 | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06126 | $295K |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 616 | $294K |
| Vision | AETNA LIFE INSURANCE COMPANY | 616 | $294K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 616 | $405K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 228 | $111K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 21 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 616 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.