| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $95K | $95K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 341092116 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 7.47% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NH | 309 DANIEL WEBSTER HIGHWAY MERRIMACK, NH 03054 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION | $2K | — | $2K | 1.28% |
| JERRY F NICHOLS3 | 1421 PINE RIDGE RD SUITE 228 NAPLES, FL 341092116 | NORTHWESTERN MUTUAL | $4K | $900 | $4K | 6.60% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GRP LLC | 500 E BROWARD BLVD STE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $784 | $69 | $853 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE RD SUITE 200 NAPLES, FL 341092116 | VISION SERVICE PLAN | $985 | — | $985 | 5.94% |
| G R S INC | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $114 | $698 | 12.22% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $11 | $21 | 0.37% |
| B & B INSURANCE SOLUTIONS INC | 14716 SW 112TH TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 152 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 408 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $186K |
| Vision | VISION SERVICE PLAN | 102 | $17K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $192K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $192K |
| Long-term disability | NORTHWESTERN MUTUAL | 126 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.