| 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 | $94K | — | $94K | 10.16% |
| 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 | $13K | — | $13K | 5.28% |
| 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 | — | $9K | $9K | 3.49% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.18% |
| CHRISTOPHER JOHN POWNALL3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 33928 | NORTHWESTERN MUTUAL | $496 | $178 | $674 | 0.78% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $496 | $60 | $556 | 0.64% |
| JERRY F NICHOLS3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 34109 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 18.78% |
| CHRISTOPHER JOHN POWNALL3 | 4501 TAMIAMI TRL N SUITE 418 NAPLES, FL 33928 | NORTHWESTERN MUTUAL | $224 | $80 | $304 | 0.98% |
| ASSUREDPARTNERS3 Filed as: SOUTH FLORIDA GROUP LLC | 500 EAST BROWARD BOULEVARD SUITE 2000 FORT LAUDERDALE, FL 33394 | NORTHWESTERN MUTUAL | $224 | $27 | $251 | 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 | 5.15% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $109 | — | $109 | 0.46% |
| 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 | — | $2K | 13.85% |
| 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 | — | $1K | 13.82% |
| 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 | — | $1K | 13.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $66K |
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 | 172 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $928K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $247K |
| Vision | VISION SERVICE PLAN | 135 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 458 | $247K |
| Short-term disability | NORTHWESTERN MUTUAL | 136 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 136 | $86K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.