| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 999 VANDERBILT BEACH RD. STE 509 NAPLES, FL 341083507 | UNITED HEALTHCARE INSURANCE COMPANY | — | $82K | $82K | 6.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 341092118 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $4K | $18K | 9.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $907 | $907 | 0.49% |
| PATRICIA POWELL3 | BOX 442 ESTERO, FL 33929 | AFLAC | $5K | $860 | $6K | 5.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | AFLAC | $5K | — | $5K | 4.49% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $2K | $447 | $3K | 2.62% |
| CAROLYN S LEVEILLE3 | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | AFLAC | $2K | $176 | $2K | 1.99% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A CHAMBLISS | 800 ROCKMEAD DR. STE. 208 KINGWOOD, TX 77339 | AFLAC | $2K | $208 | $2K | 1.69% |
| LAC INSURANCE SERVICES3 | 1927 SE 8TH AVE CAPE CORAL, FL 33990 | AFLAC | $1K | $160 | $1K | 1.14% |
| BRENDA LYNN GARRETT3 | 13489 VILLA DI PRESERVE LN ESTERO, FL 33928 | AFLAC | $741 | $89 | $830 | 0.75% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DR LAKE WORTH, FL 33467 | AFLAC | $453 | $89 | $542 | 0.49% |
| LOCKWOOD INSURANCE3 | 1463 OAKFIELD DR STE 131 BRANDON, FL 33511 | AFLAC | $476 | $32 | $508 | 0.46% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE OLDSMAR, FL 34677 | AFLAC | $291 | $195 | $486 | 0.44% |
| DEBORAH L JONGES3 Filed as: DEBORAH L JONGERS | PO BOX 31994 PALM BEACH GARDENS, FL 33420 | AFLAC | $263 | — | $263 | 0.24% |
| ROGERS BENEFIT GROUP INC3 Filed as: DEBORAH L ROGERS INC | 11124 FOSTER CARRIAGE RD LITHIA, FL 33547 | AFLAC | $204 | — | $204 | 0.18% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $117 | $87 | $204 | 0.18% |
| HAROLD L STAFFORD3 | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $194 | — | $194 | 0.17% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SUITE 900 ATLANTA, GA 30339 | AFLAC | $169 | — | $169 | 0.15% |
| GAIL M JANK3 | 1500 SW 9TH ST BOCA RATON, FL 33486 | AFLAC | $136 | — | $136 | 0.12% |
| ROBERT HUNTER WHITTINGTON3 Filed as: ROBERT D EDEHEIT | 2500 N MILITARY TRAIL 450 BOCA RATON, FL 33431 | AFLAC | $130 | — | $130 | 0.12% |
| SAMANTHA J AYBAR3 | 1317 TRIANDRA LN NAPLES, FL 34119 | AFLAC | $67 | — | $67 | 0.06% |
| JIMMY D BOONE3 | 5346 DOMINICA CIR SARASOTA, FL 34233 | AFLAC | $60 | — | $60 | 0.05% |
| LORENZO N WILLIAMS3 | PO BOX 11046 NAPLES, FL 34101 | AFLAC | $56 | — | $56 | 0.05% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 2383 AKERS MILL ROAD APT S 15 ATLANTA, GA 30039 | AFLAC | $46 | — | $46 | 0.04% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $45 | — | $45 | 0.04% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, ID 60175 | AFLAC | $36 | — | $36 | 0.03% |
| JANET IBANEZ3 | 14295 SW 142ND STREET MIAMI, FL 33186 | AFLAC | $27 | — | $27 | 0.02% |
| ANNA M WISEMAN3 | 3100 50TH STREET SW NAPLES, FL 34116 | AFLAC | $18 | — | $18 | 0.02% |
| ELIZABETH GUZMAN3 | PO BOX 260002 PEMBROKE PINES, FL 33026 | AFLAC | $14 | — | $14 | 0.01% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $11 | — | $11 | 0.01% |
| SUSAN PAPA3 Filed as: SUSAN C BRIMHAL | 155 CYPRESS LN STE 525 OLDSMAR, FL 34677 | AFLAC | $9 | — | $9 | 0.01% |
| ANDRES FERNANDEZ3 | 7452 SOUTHWEST 48TH ST 2ND FL MIAMI, FL 33155 | AFLAC | $7 | — | $7 | 0.01% |
| LELAND E MCCRAVY3 Filed as: LELAND E MCCRAY | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $7 | — | $7 | 0.01% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $5 | — | $5 | 0.00% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $5 | — | $5 | 0.00% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3 | — | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN FO FLORIDA INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
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 | 473 | 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) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 331 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $186K |
| Vision | VISION SERVICE PLAN | 170 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 473 | $186K |
| Other | AFLAC | 122 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.