| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 9617 GULF RESEARCH LN STE 202 FORT MYERS, FL 33912 | FLORIDA BLUE | $21K | — | $21K | 5.00% |
| JERRY F NICHOLS3 | 9130 GALLERIA CT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.06% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $505 | $181 | $686 | 0.66% |
| JONATHAN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $505 | $181 | $686 | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 21.54% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICALSOLUTION | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MICHIGAN | 1605 CONCENTRIC BLBVD STE 2 SAGINAW, MI 48604 | GUARDIAN LIFE INSURANCE COMPANY | $293 | — | $293 | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3201 CHERRY RIDGE DR STE D405 SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.08% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET STE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 9617 GULF RESEARCH LN SUITE 20 FORT MYERS, FL 33912 | VISION SERVICE PLAN | $2K | — | $2K | 3.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 3201 CHERRY RIDGE DR STE D405 SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3201 CHERRY RIDGE DR STE D405 SAN ANTONIO, TX 78230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5738 FOREMOST DR SE GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $287K |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 296 | $3.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 310 | $78K |
| Vision | VISION SERVICE PLAN | 235 | $48K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $43K |
| Long-term disability | NORTHWESTERN MUTUAL | 83 | $104K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 297 | $413K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 424 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.