| 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 SUITE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $112K | $112K | 4.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NH | 309 DANIEL WEBSTER HIGHWAY MERRIMACK, NH 03054 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | $2K | — | $2K | 0.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 4.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.03% |
| JERRY F NICHOLS3 | 9130 GALLERIA COURT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.71% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $491 | $176 | $667 | 0.82% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $491 | $59 | $550 | 0.68% |
| JERRY F NICHOLS3 | 9130 GALLERIA COURT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 19.15% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $218 | $78 | $296 | 1.01% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $218 | $26 | $244 | 0.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD SUITE 200 NAPLES, FL 34109 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $4 | $479 | 9.30% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BOULEVARD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $3 | $20 | 0.39% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | 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 | 169 | $2.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $201K |
| Vision | VISION SERVICE PLAN | 120 | $21K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $206K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $236K |
| Long-term disability | NORTHWESTERN MUTUAL | 131 | $81K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.