| 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 | 4.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | FLORIDA COMBINED LIFE | $5K | — | $5K | 11.08% |
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD STE 228 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $2K | $628 | $3K | 16.70% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DR STE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $249 | $89 | $338 | 1.81% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD STE 2000 FT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $249 | $30 | $279 | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | USABLE LIFE | $2K | — | $2K | 11.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $152 | — | $152 | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | USABLE LIFE | $1K | — | $1K | 12.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $93 | — | $93 | 1.00% |
| 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. | $734 | — | $734 | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE - NAPLES | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | TELADOC HEALTH MEDICAL GROUP, P.A. | $342 | — | $342 | 21.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | USABLE LIFE | $85 | — | $85 | 12.16% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $7 | — | $7 | 1.00% |
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 | 74 | $696K |
| Dental | FLORIDA COMBINED LIFE | 83 | $49K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 65 | $7K |
| Life insurance(2 contracts) | USABLE LIFE | 109 | $24K |
| Long-term disability | NORTHWESTERN MUTUAL | 37 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 74 | $695K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 109 | $12K |
| 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.