| 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 | $65K | — | $65K | 18.98% |
| 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 | $8K | -$43 | $8K | 6.22% |
| 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 | — | $3K | $3K | 2.05% |
| 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 | 8.87% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $767 | — | $767 | 4.62% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.51% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.41% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.40% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.36% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| 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 | $632 | — | $632 | 5.92% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | — | $538 | 5.04% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.56% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.42% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.36% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.31% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.27% |
| 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 | $835 | — | $835 | 10.99% |
| 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 | $174 | — | $174 | 4.98% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 4.01% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.80% |
| JAHNOI EVANS3 | 5349 SOUTHWICK DR TAMPA, FL 33624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.57% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.52% |
| ENRIQUE ALFREDO IGLESIAS3 | 2500 WINDING CREEK BLVD F204 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.49% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.37% |
| 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 | $192 | — | $192 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $101K |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $341K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $125K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $125K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $125K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 35 | $31K |
| 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.