| 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 | $42K | — | $42K | 10.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 9617 GULF RESEARCH LN. STE 202 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 8.04% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 1819 MAIN ST STE 315 SARASOTA, FL 34236 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 7.53% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 9617 GULF RESEARCH LN, STE 202 FORT MYERS, FL 33912 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 9.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 2290 LUCIEN WAY, STE 400 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $640 | $640 | 1.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 9617 GULF RESEARCH LN SUITE 20 SUITE 20 FORT MYERS, FL 33912 | VISION SERVICE PLAN | $808 | — | $808 | 6.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 9617 GULF RESEARCH LN. STE 202 FORT MYERS, FL 33912 | STANDARD INSURANCE COMPANY | $688 | $175 | $863 | 13.66% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $95 | $95 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator; Contract Administrator Service code 13 | — | $28K |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $403K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 64 | $42K |
| Vision | VISION SERVICE PLAN | 65 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 126 | $67K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $90K |
| Other | STANDARD INSURANCE COMPANY | 126 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.