| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL MCDONALD3 Filed as: MICHAEL K DEVAUX | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.83% |
| MICHAEL DEVAUX3 | 6885 BELFORT OAKS PLACE STE 210 JACKSONVILLE, FL 32216 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.92% |
| MICHAEL DEVAUX3 | 6885 BELFORT OAKS PLACE SUITE 210 JACKSONVILLE, FL 32216 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 17.65% |
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 | 598 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 348 | $197K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 348 | $197K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 397 | $170K |
| Short-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 598 | $224K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 397 | $170K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 329 | $961K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 598 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.