| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 5.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $186 | $7K | 15.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.04% |
| M.E. WILSON COMPANY, LLC3 | 300 WEST PLATT STREET TAMPA, FL 33606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL | 6200 CANOGA AVE STE 300 WOODLANDS HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $139 | $5K | 15.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFIT INC | 422 WAPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| M.E. WILSON COMPANY, LLC3 | 300 WEST PLATT STREET TAMPA, FL 33606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 6200 CANOGA AVE STE 300 WOODLANDS HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $114 | $4K | 15.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.04% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E WILSON COMPANY LLC | 300 WEST PLATT STREET TAMPA, FL 33606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | — | $25 | 0.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 6200 CANOGA AVE STE 300 WOODLANDS HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $424 | $13 | $437 | 15.51% |
| GIS BENEFITS INC3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | — | $141 | 5.00% |
| M.E. WILSON COMPANY, LLC3 | 300 WEST PLATT STREET TAMPA, FL 33606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCIAL | 6200 CANOGA AVE STE 300 WOODLANDS HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $98K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $98K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 350 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $26K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $1.3M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.