| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | 9617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $3K | $55K | 17.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 9617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.59% |
| ENROLLEASE3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS, LL | 1 BEACON ST STE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSETT LOOP STE 304 STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN BROWN INSURANCE SERVICES, INC | 9617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator Service code 14 | — | $21K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $321K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $76K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $76K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $72K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 136 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.