| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 7.83% |
| BENEFITS PLANNERS INC3 | 2950 HALCYON LN SUITE 604 JACKSONVILLE, FL 322236692 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.78% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $850 | $3K | 25.59% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $124 | $2K | 24.10% |
| BENEFITS PLANNERS INC4 | PO BOX 600293 JACKSONVILLE, FL 32260 | PRE-PAID LEGAL SERVICES,INC. DBA LEGALSHIELD | $582 | — | $582 | 41.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-2164154 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $41K |
| BENEFIT PLANNERS INC EIN 81-1000405 BROKER | Other commissions Service code 55 | — | $39K |
| THE BENECON GROUP EIN 23-1315351 MANAGEMENT FEE EXPENSE | Claims processing Service code 12 | — | $19K |
| CONNECTCARE3 LLC EIN 41-1799719 MANAGEMENT FEE EXPENSE | Claims processing Service code 12 | — | $7K |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 124 | $54K |
| Dental | AETNA LIFE INSURANCE CO. | 124 | $54K |
| Vision | AETNA LIFE INSURANCE CO. | 124 | $54K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $42K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $42K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 0 | $228K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.