| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 0.99% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO | $66K | — | $66K | 20.01% |
| WHD, LLC3 Filed as: WHD | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO | $10K | — | $10K | 3.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY STREET STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $96K | — | $96K | 38.08% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 EAST BAY STREET JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6 | $5K | 6.38% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $494 | $3K | 3.76% |
| KRISTIN DAWN ROCKER3 | 1204 CRABAPPLE CT ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | — | $597 | 0.72% |
| ROBIN THOMASON3 | 631 11TH AVE SOUTH JACKSONVILLE BCH, FL 32250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.23% |
| HELENA STORY LLC3 | 14148 MAHOGANY AVE JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| NELSON G FABAL3 | 17820 NW 84TH AVE HIALEAH, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| SAUL JAKUBOWICZ3 | 1421 EAST HAWTHORNE CIR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ANTHONY SCOTT HUGHES3 | 321 STOKES CREEK DRIVE SAINT AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| SEAN MICHAEL STORY3 | 1112 SOUTH MAGNOLIA DR TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JENNIFER S LOPEZ3 | 5131 NW 35TH PLACE GAINESVILLE, FL 32606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TERESA ELIZABETH HATLER3 | 3000 IRONWOOD DR TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.39% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $138 | $1K | 6.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $280K |
| SAUNDERS & COMPANY, INC EIN 59-1911903 BROKER | Insurance agents and brokers Service code 22 | 233 EAST BAY ST JACKSONVILLE, FL 32202 | $0 |
| SAUNDERS BENEFITS CONSULTING LLC EIN 47-4197197 BROKER | 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 | 629 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 629 | $252K |
| Vision | AETNA LIFE INSURANCE CO. | 629 | $252K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 629 | $335K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 179 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $18K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 268 | $392K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 629 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.