| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $58K | — | $58K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $15K | $1K | $17K | 13.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $171 | $3K | 13.81% |
| MACDOUGALL BENEFITS LLC3 Filed as: MACDOUGALL BENEFITS, LLC | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $195 | $2K | 8.07% |
| ADAM ROBERT MACDOUGALL3 | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $52 | $89 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 25.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | U.S. LEGAL SERVICES, INC. | $1K | $0 | $1K | 15.93% |
No Schedule C service providers reported on this filing.
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $1.4M |
| Dental | FLORIDA COMBINED LIFE | 43 | $17K |
| Vision | STANDARD INSURANCE COMPANY | 127 | $122K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $122K |
| Short-term disability | STANDARD INSURANCE COMPANY | 127 | $122K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $122K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $1.4M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 127 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.