| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD SUITE 228 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $6K | $2K | $7K | 4.08% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $568 | $204 | $772 | 0.45% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $563 | $68 | $631 | 0.36% |
| 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 | $16K | $8K | $24K | 20.66% |
| 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 | $353 | — | $353 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 14.53% |
| 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 | 3.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | FLORIDA BLUE | $85K | — | $85K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $338K |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 355 | $116K |
| Vision | VISION SERVICE PLAN | 246 | $49K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 355 | $116K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 359 | $287K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 326 | $0 |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 355 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.