| 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 ROAD NAPLES, FL 341083507 | FLORIDA BLUE | $11K | — | $11K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD., STE. 200 NAPLES, FL 34109 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $7K | $7K | 3.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | ALLSTATE BENEFITS | $16K | — | $16K | 18.49% |
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD SUITE 228 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.81% |
| JOHN C RASCHELLA3 Filed as: JOHN R DELANEY | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $716 | $170 | $886 | 1.12% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $636 | $56 | $692 | 0.87% |
| 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 | $7K | $3K | $10K | 14.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVENUE STE #200 DAYTONA BEACH, FL 32114 | GUARDIAN LIFE INSURANCE COMPANY | $518 | — | $518 | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 14210 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $2K | — | $2K | 4.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CLAIMS PROCESSING | Claims processing Service code 12 | — | $323K |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE BENEFITS | 146 | $88K |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 295 | $188K |
| Vision | VISION SERVICE PLAN | 201 | $37K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 362 | $68K |
| Long-term disability | NORTHWESTERN MUTUAL | 65 | $79K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 314 | $214K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 362 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.