| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY STREET STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $79K | — | $79K | 27.64% |
| WHD, LLC3 Filed as: WHD | 233 E BAY STREET STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 2.14% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | SRC AN AETNA CO | $41K | — | $41K | 17.75% |
| WHD, LLC3 Filed as: WHD | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | SRC AN AETNA CO | $6K | — | $6K | 2.66% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38K | $4K | $42K | 20.50% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $16K | $39K | 19.25% |
| KRISTIN DAWN ROCKER3 | 1204 CRABAPPLE CT ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $669 | $2K | 0.83% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOYCE HERNDON-GARVIN3 | 18 HANGING MOSS ROAD SAVANNAH, GA 31410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY STREET JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $872 | $11K | 9.94% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 7.11% |
| ROBIN THOMASON3 | 631 11TH AVENUE SOUTH JACKSONVILLE BEACH, FL 32250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $66 | $1K | 1.13% |
| KRISTIN DAWN ROCKER3 | 1204 CRABAPPLE CT ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | $351 | $889 | 0.81% |
| HELENA STORY LLC3 | 14148 MAHOGANY AVE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $44 | $320 | 0.29% |
| NELSON G FABAL3 | 17820 NW 84TH AVE HIALEAH, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $6 | $94 | 0.09% |
| JENNIFER S LOPEZ3 | 5131 NW 35TH PLACE GAINESVILLE, FL 32606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $8 | $89 | 0.08% |
| ANTHONY SCOTT HUGHES3 | 321 STOKES CREEK DR ST AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $5 | $75 | 0.07% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $1 | $69 | 0.06% |
| TERESA ELIZABETH HATLER3 | 3000 IRONWOOD DR TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| SEAN MICHAEL STORY3 | 1112 SOUTH MAGNOLIA DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.05% |
| TRACI R AUSTIN3 | 8656 FRANKIE MILL CT JACKSONVILLE, FL 32244 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| GINAKES & ASSOCIATES LLC3 | 1020 W INTERNATIONAL SPEEDWAY DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.01% |
| BRIAN R CHOWNING3 | 36241 S GRAYS AIRPORT RD FRUITLAND PARK, FL 34731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| WHD, LLC3 | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $183 | $183 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $260K |
| SAUNDERS BENEFITS CONSULTING LLC EIN 47-4197197 NONE | Insurance agents and brokers Service code 22 | 233 EAST BAY ST JACKSONVILLE, FL 32202 | $0 |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 251 | $204K |
| Dental | AETNA LIFE INSURANCE CO. | 563 | $286K |
| Vision | AETNA LIFE INSURANCE CO. | 563 | $286K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 563 | $396K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 184 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $24K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 273 | $354K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 563 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.