| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY F NICHOLS3 | 9130 GALLERIA CT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.35% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $488 | $175 | $663 | 0.69% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $488 | $59 | $547 | 0.57% |
| 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 | $12K | $1K | $13K | 22.04% |
| 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 | $245 | — | $245 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | HEALTHJOY | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 8825 NW 21ST TER DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $916 | $3K | 13.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $219K |
| BROWN & BROWN OF FLORIDA INSURANCE AGENT & BROKER | Insurance agents and brokers Service code 22 | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 341092116 | $67K |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 268 | $60K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 353 | $82K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 353 | $82K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 268 | $85K |
| Long-term disability | NORTHWESTERN MUTUAL | 72 | $96K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 353 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.