| 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 RD STE 200 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | — | $35K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.31% |
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD STE 228 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $2K | $697 | $3K | 16.66% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD STE 2000 FT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $275 | $33 | $308 | 1.61% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $225 | $81 | $306 | 1.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $610 | $3K | 19.39% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, FL 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $417 | $417 | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $806 | $365 | $1K | 14.53% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $252 | $252 | 3.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $735 | — | $735 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE - NAPLES | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | TELADOC | $58 | — | $58 | 14.87% |
No Schedule C service providers reported on this filing.
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 80 | $698K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $48K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 66 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $22K |
| Long-term disability | NORTHWESTERN MUTUAL | 37 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 80 | $697K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.