| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | BLUE CROSS BLUE SHIELD OF FLORIDA | $53K | — | $53K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | USABLE LIFE | $4K | — | $4K | 1.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 1421 PINE RIDGE RD NAPLES, FL 34109 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 9.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, FL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $7K | $7K | 8.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 1421 PINE RIDGE RD NAPLES, FL 34109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $942 | $5K | 11.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 8.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | USABLE LIFE | $4K | — | $4K | 10.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1421 PINE RIDGE RD NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $4K | $436 | $4K | 15.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $1K | $3 | $1K | 4.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERV | 1421 PINE RIDGE RD NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $2K | $287 | $3K | 15.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $774 | $2 | $776 | 4.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD NAPLES, FL 34109 | UNUM INSURANCE COMPANY | $2K | $269 | $2K | 15.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $716 | $2 | $718 | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | USABLE LIFE | $728 | — | $728 | 13.84% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 144 | $86K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 144 | $86K |
| Life insurance(2 contracts) | USABLE LIFE | 228 | $315K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $1.3M |
| Other(5 contracts, 2 carriers) | USABLE LIFE | 228 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
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.