| 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 | 6.24% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $464 | $167 | $631 | 0.64% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD SUITE 2000 FT. LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $497 | $60 | $557 | 0.57% |
| JONATHAN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $17 | $6 | $23 | 0.02% |
| 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 | $18K | $958 | $18K | 21.45% |
| 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 | $2K | — | $2K | 2.19% |
| 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 | $351 | — | $351 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA, INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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 | $1K | — | $1K | 3.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY STE 400 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORIDA BLUE EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $236K |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 265 | $3.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 282 | $86K |
| Vision | VISION SERVICE PLAN | 206 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $88K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 282 | $125K |
| Long-term disability | NORTHWESTERN MUTUAL | 78 | $98K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 379 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.