| 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 ROAD STE 200 NAPLES, FL 341092116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | $6K | $68K | 25.30% |
| 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 | $6K | $2K | $8K | 6.79% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.53% |
| 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 | 9.41% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | — | $874 | 3.44% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $747 | — | $747 | 2.94% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $498 | — | $498 | 1.96% |
| JAHNOI EVANS3 | 9303 ASHFIELD CT TAMPA, FL 33615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 1.01% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 0.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD STE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $1K | — | $1K | 5.36% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.72% |
| 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 | 8.35% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $505 | — | $505 | 2.79% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 2.57% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 1.36% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 1.27% |
| JAHNOI EVANS3 | 9303 ASHFIELD COURT TAMPA, FL 33615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 0.77% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $942 | — | $942 | 13.18% |
| 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 | $765 | — | $765 | 10.71% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $295 | — | $295 | 4.13% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 3.37% |
| KATHLEEN ANN NELSON3 | 8812 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 1.90% |
| JAHNOI EVANS3 | 9303 ASHFIELD COURT TAMPA, FL 33615 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 1.20% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $33K |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $267K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $123K |
| Vision | VISION SERVICE PLAN | 149 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $123K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 53 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.