| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 75 VINEYARDS BLVD UNIT 500 NAPLES, FL 34119 | BLUE CROSS BLUE SHIELD OF FLORIDA | $112K | — | $112K | 4.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD STE 200 NAPLES, FL 341092116 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.95% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | PRINCIPAL LIFE INSURANCE COMPANY | $286 | — | $286 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 20.40% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $307 | — | $307 | 1.56% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.26% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.26% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.21% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL, INC. | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.86% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 2.08% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.18% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.51% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 1.49% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.35% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.23% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.21% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 209 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $199K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $199K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 426 | $199K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.