| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | BRITNEY WOJCECHOWSKYJ 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $121K | — | $121K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $9K | — | $9K | 9.51% |
| 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 | 4.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $2K | — | $2K | 9.76% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $685 | — | $685 | 2.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $933 | — | $933 | 15.65% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS,INC | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | $596 | $206 | $802 | 13.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SW FLORIDA | 1421 PINE RIDGE #200 NAPLES, FL 34109 | TELADOC, INC. | $773 | — | $773 | 14.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | — | $2K | 116.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | USABLE LIFE | $296 | — | $296 | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $176 | — | $176 | 10.03% |
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 | 1,049 | 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) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 297 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 8 | $6K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 257 | $46K |
| Life insurance(2 contracts) | USABLE LIFE | 1,049 | $116K |
| Short-term disability | USABLE LIFE | 10 | $2K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 297 | $2.4M |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 1,049 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.