| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY STREET JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 10.80% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $918 | $26K | 20.73% |
| WHD, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 8.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $459 | $5K | 3.87% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.73% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR. FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.25% |
| ROBIN THOMASON3 | 631 11TH AVE SOUTH JACKSONVILLE, FL 32250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.10% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY STREET JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 29.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.15% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 1125 SANTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $42 | $42 | 0.09% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $177 | $7K | 20.51% |
| WHD, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $88 | $1K | 3.76% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $126 | $6K | 20.45% |
| WHD, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $63 | $1K | 3.73% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E. BAY STREET JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $726 | $4K | 30.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $680 | $363 | $1K | 7.66% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15 | $15 | 0.11% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | $73 | $415 | 30.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68 | $36 | $104 | 7.61% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2 | $2 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAUNDERS & COMPANY, INC. EIN 59-1911903 BROKER | Investment advisory (plan) Service code 27 | 233 EAST BAY ST JACKSONVILLE, FL 32202 | $80K |
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $64K |
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 | 430 | 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) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 378 | $169K |
| Vision | AETNA LIFE INSURANCE COMPANY | 378 | $169K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $47K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 11 | $14K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.