| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS PLANNERS INC3 | 2950 HALCYON LN SUITE 604 JACKSONVILLE, FL 322236692 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.57% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 9.98% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | — | $606 | 13.10% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $79 | $407 | 8.80% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $25 | $46 | 0.99% |
| BENEFITS PLANNERS INC4 | PO BOX 600293 JACKSONVILLE, FL 32260 | PRE-PAID LEGAL SERVICES,INC. DBA LEGALSHIELD | $208 | — | $208 | 16.63% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 133 | $66K |
| Vision | AETNA LIFE INSURANCE CO. | 133 | $66K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $88K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.