| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $101K | — | $101K | 12.40% |
| 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 | 4.43% |
| 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 | 1.93% |
| JERRY F NICHOLS3 | 9130 GALLERIA COURT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.22% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $486 | $175 | $661 | 0.78% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $486 | $58 | $544 | 0.65% |
| JERRY F NICHOLS3 | 9130 GALLERIA COURT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 18.78% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $229 | $82 | $311 | 0.96% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $229 | $28 | $257 | 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 | VISION SERVICE PLAN | $1K | — | $1K | 5.43% |
| GRS INC3 | 3278 TAHOE COURT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 4.18% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BOULEVARD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $813K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $221K |
| Vision | VISION SERVICE PLAN | 113 | $21K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $226K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 122 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 122 | $84K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.