| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A DOWNING GRAY & CO3 Filed as: A. DOWNING GRAY & CO | 318 SOUTH FLORIDA BLANCA PENSACOLA, FL 32501 | AETNA LIFE INSURANCE CO. | — | $76K | $76K | 4.92% |
| A DOWNING GRAY & CO3 Filed as: A DOWNING GRAY AND COMPANY | 318 S FLORIDA BLANCA PENSACOLA, FL 32502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.75% |
| A DOWNING GRAY & CO3 | 318 S FLORIDA BLANCA PENSACOLA, FL 325026126 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DR. FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $12K | 26.89% |
| ANTHONY SCOTT HUGHES3 | 791 CYPRESS CROSSING TRL SAINT AUGUSTINE, FL 32095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.08% |
| ELAINE S TURNER3 | 94033 DUCK LAKE DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LESLEE RAY4 | 1550 CHELSEA PL ORANGE PARK, FL 32073 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.71% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 9.29% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 257 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 157 | $92K |
| Vision | HUMANA INSURANCE COMPANY | 157 | $92K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $112K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $112K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.