| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 8.17% |
| BENEFITS PLANNERS INC3 | 2950 HALCYON LN SUITE 604 JACKSONVILLE, FL 322236692 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.73% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | — | $758 | 11.97% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $76 | $484 | 7.64% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $19 | $36 | 0.57% |
| BENEFITS PLANNERS INC4 | PO BOX 600293 JACKSONVILLE, FL 32260 | PRE-PAID LEGAL SERVICES,INC. DBA LEGALSHIELD | $91 | — | $91 | 8.00% |
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 | 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 |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 136 | $57K |
| Vision | AETNA LIFE INSURANCE CO. | 136 | $57K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $44K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $44K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.