| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FL NAPLES | 9617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $165K | $165K | 5.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 9617 GULF RESEARCH LN STE 202 FORT MEYERS, FL 33912 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.98% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON- MEDICAL SOLOUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1421 PINES RIDGE RD STE 200 NSPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 17.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICE | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $387 | $5K | 16.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1421 PINE RIDGE RD, STE 200 NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $3K | $339 | $3K | 17.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1421 PINE RIDGE RD NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $3K | $309 | $3K | 17.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERV | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $2K | $220 | $2K | 17.23% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 379 | $3.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $204K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 423 | $204K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $117K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $87K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.