| 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 | $34K | — | $34K | 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 | $3K | $1K | $4K | 7.05% |
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD STE 228 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $3K | $795 | $4K | 17.30% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $285 | $102 | $387 | 1.84% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD STE 2000 FT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $285 | $34 | $319 | 1.51% |
| 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 | $629 | $3K | 19.47% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, FL 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $423 | $423 | 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 | $817 | $369 | $1K | 14.51% |
| DAILY FEATS INC5 | 22 PEARL ST FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $245 | $245 | 3.00% |
| 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. | $703 | — | $703 | 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 | $178 | — | $178 | 15.02% |
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 | 111 | 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) | 111 | 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 | 83 | $679K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $52K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 63 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $22K |
| Long-term disability | NORTHWESTERN MUTUAL | 39 | $21K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 83 | $678K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.