| 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 | $106K | — | $106K | 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 | $9K | — | $9K | 6.03% |
| 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 | — | $5K | $5K | 3.52% |
| 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 | 12.49% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $433 | — | $433 | 2.71% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.34% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.34% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.29% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.18% |
| 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 | $876 | — | $876 | 9.37% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 2.98% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.40% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.37% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.28% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.17% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.16% |
| 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 | $720 | — | $720 | 12.31% |
| 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 | $681 | — | $681 | 15.71% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH ST SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 2.31% |
| LEESMAN ENTERPRISES LLC3 | 7933 HAMPTON LAKE DR TAMPA, FL 33647 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.51% |
| JAHNOI EVANS3 | 6107 GRAND SONATA AVE LUTZ, FL 33558 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.46% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.42% |
| KATHLEEN ANN NELSON3 | 9838 RED BAY LOOP LAND O LAKES, FL 34637 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.30% |
| ENRIQUE ALFREDO IGLESIAS3 | 204 E SOUTH ST, UNIT 4055 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.09% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUS CROSS BLUE SHIELD OF FLORIDA | 209 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 416 | $144K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 416 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 416 | $144K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.