| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $27K | $7K | $34K | 18.43% |
| 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 | $1K | — | $1K | 0.73% |
| JERRY F NICHOLS3 | 9130 GALLERIA CT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 5.95% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $508 | $182 | $690 | 0.65% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $508 | $61 | $569 | 0.53% |
| 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 | 4.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | ALLYHEALTH | $5K | — | $5K | 15.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $238K |
| BROWN & BROWN OF FLORIDA INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 341092116 | $104K |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 314 | $185K |
| Vision | VISION SERVICE PLAN | 195 | $37K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 314 | $185K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 314 | $185K |
| Long-term disability | NORTHWESTERN MUTUAL | 67 | $107K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 314 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.