| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 11.68% |
| 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 | $5K | — | $5K | 5.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.18% |
| 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 | $3K | — | $3K | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.34% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.22% |
| 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 | $5K | — | $5K | 9.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $660 | $660 | 1.23% |
| 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 | $843 | — | $843 | 6.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $895 | — | $895 | 11.05% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $180 | $180 | 2.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVE STE 700 GARDEN CITY, FL 11530 | STANDARD INSURANCE COMPANY | — | $175 | $175 | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Contract Administrator; Plan Administrator Service code 13 | — | $19K |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $439K |
| Dental | STANDARD INSURANCE COMPANY | 68 | $54K |
| Vision | VISION SERVICE PLAN | 67 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 141 | $75K |
| Short-term disability | STANDARD INSURANCE COMPANY | 44 | $8K |
| Long-term disability | STANDARD INSURANCE COMPANY | 135 | $96K |
| Other | STANDARD INSURANCE COMPANY | 141 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.