| 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 | $58K | $2K | $60K | 10.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURACE VIRGINIA | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.23% |
| 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 | 4.10% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON- MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $154 | $154 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 7031 ALBERT PICK RD STE 304 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 8.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 7031 ALBERT PICK RD STE 304 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $4K | $906 | $5K | 12.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 7031 ALBERT PICK RD STE 304 #200 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $2K | $684 | $3K | 9.49% |
| 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 | 17.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 9617 GULF RESEARCH LN SUITE 20 FORT MYERS, FL 33912 | VISION SERVICE PLAN | $904 | — | $904 | 6.30% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $72 | — | $72 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Other services; Non-monetary compensation; Contract Administrator; Float revenue; Participant communication; Claims processing; Named fiduciary Service code 12 | — | $96K |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $589K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $98K |
| Vision | VISION SERVICE PLAN | 135 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 243 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 243 | $38K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 76 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.