| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD STE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 7.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | 1 BEACON ST STE 17100 BOSTON, MA 02108 | RELIANCEMATRIX | $8K | — | $8K | 4.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCES SVC | 9617 GULF RESEARCH LN STE 202 FORT MEYERS, FL 33912 | RELIANCEMATRIX | $4K | — | $4K | 2.18% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCEMATRIX | $163 | — | $163 | 0.09% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.14% |
| JOHN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $505 | $181 | $686 | 0.70% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $505 | $61 | $566 | 0.58% |
| JOHN C RASCHELLA3 Filed as: JOHN R DELANEY | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 33928 | NORTHWESTERN MUTUAL | $272 | $69 | $341 | 0.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 9617 GULF RESEARCH LN SUITE 202 FORT MYERS, FL 33912 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.34% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.03% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.17% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $2K | $450 | $2K | 8.08% |
| JOHN C RASCHELLA3 Filed as: JOHN R DELANEY | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $409 | $103 | $512 | 1.85% |
| JOHN RAMIREZ3 | 4501 TAMIAMI TRL N NAPLES, FL 34103 | NORTHWESTERN MUTUAL | $220 | $79 | $299 | 1.08% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $220 | $26 | $246 | 0.89% |
| BROWN & BROWN INSURANCE SERVICES3 | 9617 GULF RESEARCH LN SUITE 202 FORT MYERS, FL 33912 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCES SVC | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $969 | $969 | 5.24% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | — | $773 | 4.18% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $304 | — | $304 | 1.64% |
| BROWN & BROWN INSURANCE SERVICES3 | 9617 GULF RESEARCH LN FORT MYERS, FL 33912 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.38% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 200 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $698 | $698 | 4.17% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $690 | — | $690 | 4.13% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $439 | — | $439 | 2.62% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $251 | $251 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 9617 GULF RESEARCH LN FORT MYERS, FL 33912 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.33% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 200 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $590 | $590 | 4.59% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $529 | — | $529 | 4.12% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $343 | — | $343 | 2.67% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $193 | $193 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 9617 GULF RESEARCH LN SUITE 202 FORT MYERS, FL 33912 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | $1K | — | $1K | 12.27% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 37109 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | — | $546 | $546 | 5.75% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | $259 | — | $259 | 2.73% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPNAY | — | $143 | $143 | 1.51% |
| JERRY ALAN SOLOMON3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 2.70% |
| G R S INC3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 2.18% |
| GAIL SOLOMON3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.36% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 37109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $351 | — | $351 | 8.33% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $221 | $221 | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFIT ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | — | $176 | 4.18% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71 | — | $71 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Claims processing; Direct payment from the plan; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Participant communication; Named fiduciary Service code 12 | — | $154K |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $1.0M |
| Dental | RELIANCEMATRIX | 431 | $190K |
| Vision | RELIANCEMATRIX | 431 | $190K |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $95K |
| Short-term disability(3 contracts, 3 carriers) | NORTHWESTERN MUTUAL | 201 | $51K |
| Long-term disability | NORTHWESTERN MUTUAL | 201 | $98K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.