| 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 | $61K | — | $61K | 17.78% |
| 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 | $7K | $43 | $7K | 5.90% |
| 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 | — | $4K | $4K | 3.06% |
| 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 | 5.21% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.32% |
| 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 | $635 | — | $635 | 4.34% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.53% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.45% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.42% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.31% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $602 | — | $602 | 7.15% |
| 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 | $208 | — | $208 | 2.47% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.61% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.50% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.45% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.27% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.26% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 8.33% |
| 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 | $70 | — | $70 | 2.65% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.72% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.72% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.53% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.45% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $37K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $343K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $114K |
| Vision | VISION SERVICE PLAN | 157 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $114K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 42 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.