| 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 | BLUS CROSS BLUE SHIELD OF FLORIDA | $91K | — | $91K | 5.00% |
| 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 | — | $8K | 6.07% |
| 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 | 2.92% |
| 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 | 13.15% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $497 | — | $497 | 3.31% |
| JAHNOI EVANS3 | 1064 SNOWS LANE SE DARIEN, GA 31325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.37% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.37% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.35% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.13% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| 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 | $995 | — | $995 | 9.93% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $366 | — | $366 | 3.65% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.48% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.37% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.28% |
| JAHNOI EVANS3 | 1064 SNOWS LANE SE DARIEN, GA 31325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.27% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.24% |
| 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 | $841 | — | $841 | 12.73% |
| 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 | $585 | — | $585 | 14.88% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 2.85% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.64% |
| JAHNOI EVANS3 | 1064 SNOWS LANE SE DARIEN, GA 31325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.53% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.43% |
| KATHLEEN ANN NELSON3 | 8512 WESTERLAND DRIVE LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.33% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.28% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUS CROSS BLUE SHIELD OF FLORIDA | 188 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $131K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $131K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 386 | $131K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 42 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.