| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS. | $51K | — | $51K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SW FLORIDA | 1421 PINE RIDGE RD #200 NAPLES, FL 34109 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $24K | — | $24K | 29.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BORWN & BROWN OF FLORIDA | 220 SOUTH RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $473 | $2K | $3K | 3.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $4K | — | $4K | 9.44% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $312 | — | $312 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SW FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | VISION SERVICE PLAN | $2K | — | $2K | 4.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $1K | — | $1K | 10.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $85 | — | $85 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SW FLORIDA | 1421 PINE RIDGE #200 NAPLES, FL 34109 | TELADOC, INC. | $791 | — | $791 | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $91 | — | $91 | 9.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $7 | — | $7 | 0.76% |
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 | 464 | 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) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 153 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 338 | $79K |
| Vision | VISION SERVICE PLAN | 258 | $36K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 464 | $128K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 338 | $79K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 153 | $2.1M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 464 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.