| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 RINE RIDGE ROAD NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $2K | $51K | 11.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $997 | $997 | 2.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $703 | $703 | 2.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $535 | $535 | 2.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUTIE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 22.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $2K | — | $2K | 13.41% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $53 | — | $53 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $57K |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $462K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $81K |
| Vision | VISION SERVICE PLAN | 120 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 225 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 225 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 225 | $29K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 62 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.