| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SW FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 2.83% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.61% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIRCLE BONITA SPRINGS, FL 34135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 3.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 11.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 32114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 9.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 33 EARLE OVINGTON BLVD UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | $376 | — | $376 | 2.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | VISION SERVICE PLAN | $789 | — | $789 | 7.12% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 100 | $39K |
| Vision | VISION SERVICE PLAN | 67 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $72K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.