| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE RD. NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $7K | $872 | $8K | 16.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $990 | $990 | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE RD. #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $6K | $479 | $6K | 19.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $859 | $859 | 2.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $2K | $308 | $3K | 12.48% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $611 | $611 | 2.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $2K | $275 | $2K | 12.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $445 | $445 | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $1K | $126 | $1K | 16.67% |
| BROWN AND BROWN OF FLORIDA, INC.5 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $150 | $150 | 2.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 91 | $50K |
| Vision | STANDARD INSURANCE COMPANY | 80 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 87 | $22K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.