| 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 | $12K | 12.77% |
| BENEFITS PLANNERS INC3 | PO BOX 600293 JACKSONVILLE, FL 32260 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 9.93% |
| BENEFITS PLANNERS INC3 | 12724 GRAN BAY PARKWAY W. JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $536 | — | $536 | 11.16% |
| MACDOUGALL BENEFITS LLC3 | 1794 ARBOR DRIVE FERNANDINA BEACH, FL 32034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $14 | $313 | 6.52% |
| WHD, LLC3 Filed as: WHD LLC | 233 EAST BAY ST STE 630 JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.52% |
| BENEFITS PLANNERS INC4 | PO BOX 600293 JACKSONVILLE, FL 32260 | PRE-PAID LEGAL SERVICES,INC. DBA LEGALSHIELD | $114 | — | $114 | 11.35% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 112 | $59K |
| Vision | AETNA LIFE INSURANCE CO. | 112 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $96K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.