| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 3.00% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 Filed as: CHRIS HEASLIP & ASSOC | 23160 FASHION DRIVE UNIT 217 ESTERO, FL 33928 | GUARDIAN | $7K | $2K | $9K | 7.17% |
| SKORA INSURANCE SOLUTIONS | 9858 GADES RD BOCA RATON, FL 33434 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 16.46% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | HEALTH OPTIONS | $1K | — | $1K | 3.00% |
| WALLACE WELCH & WILLINGHAM INC4 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.66% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | VISION SERVICE PLAN | $764 | — | $764 | 7.36% |
| SKORA INSURANCE SOLUTIONS | 9858 GADES RD BOCA RATON, FL 33434 | UNION SECURITY INSURANCE COMPANY | $583 | — | $583 | 12.05% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 137 | $691K |
| Dental | GUARDIAN | 160 | $120K |
| Vision | VISION SERVICE PLAN | 72 | $10K |
| Life insurance | GUARDIAN | 160 | $120K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 137 | $49K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 67 | $40K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 111 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.