| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD STE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99K | $2K | $101K | 10.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 75 VINEYARDS BLVD NAPLES, FL 34119 | RELIANCEMATRIX | $4K | — | $4K | 2.13% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST, STE 17100 BOSTON, MA 02108 | RELIANCEMATRIX | $368 | — | $368 | 0.20% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $4K | $956 | $5K | 5.08% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $455 | $55 | $510 | 0.55% |
| JOHN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $192 | $69 | $261 | 0.28% |
| CHRISTOPHER JOHN POWNALL3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 33928 | NORTHWESTERN MUTUAL | $112 | $40 | $152 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $4K | $991 | $5K | 15.14% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $248 | $30 | $278 | 0.85% |
| JOHN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $158 | $57 | $215 | 0.66% |
| CHRISTOPHER JOHN POWNALL3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 33928 | NORTHWESTERN MUTUAL | $37 | $13 | $50 | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $700 | — | $700 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $210 | $210 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $587 | — | $587 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $176 | $176 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | $2K | — | $2K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | — | $166 | $166 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $447 | — | $447 | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $224 | — | $224 | 5.02% |
| G R S INC3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 5.23% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $111K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $990K |
| Dental | RELIANCEMATRIX | 385 | $183K |
| Vision | RELIANCEMATRIX | 385 | $183K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $99K |
| Short-term disability(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 204 | $57K |
| Long-term disability | NORTHWESTERN MUTUAL | 134 | $93K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.