| 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 | $96K | $2K | $99K | 11.69% |
| 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 | 5.15% |
| 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 | — | $6K | $6K | 3.30% |
| JERRY F NICHOLS3 | 9130 GALLERIA COURT SUITE 200 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.20% |
| CHRISTOPHER JOHN POWNALL3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 33928 | NORTHWESTERN MUTUAL | $486 | $174 | $660 | 0.78% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $486 | $58 | $544 | 0.64% |
| 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 | $223 | $80 | $303 | 0.98% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $223 | $27 | $250 | 0.81% |
| 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 | 5.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1421 PINE RIDGE STE 200 NAPLES, FL 34109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $332 | $2K | 17.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1421 PINE RIDGE STE 200 NAPLES, FL 34109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $188 | $1K | 17.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL | 1421 PINE RIDGE STE 200 NAPLES, FL 34109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $980 | $272 | $1K | 19.17% |
| GRS INC3 | 3278 TAHOE CT NAPLES, FL 34119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 4.31% |
| 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 | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $44K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 258 | $844K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $196K |
| Vision | VISION SERVICE PLAN | 129 | $23K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $200K |
| Short-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 130 | $35K |
| Long-term disability | NORTHWESTERN MUTUAL | 130 | $84K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.