| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNERS INC3 | 12724 GRAN BAY PARKWAY W. STE 410 JACKSONVILLE, FL 32258 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.84% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.21% |
| BENEFITS PLANNERS INC3 | 12724 GRAN BAY PARKWAY W. JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $931 | — | $931 | 14.27% |
| MACDOUGALL BENEFITS LLC3 | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $61 | $564 | 8.65% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.00% |
| ADAM ROBERT MACDOUGALL3 | PO BOX 17204 FERNANDINA BEACH, FL 32035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.06% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 113 | $59K |
| Vision | AETNA LIFE INSURANCE CO. | 113 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $100K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 187 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.