| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 34109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $21K | $76K | 19.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 11220 ASSET STE 200 FORT MYERS, FL 33912 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.63% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.73% |
| VIVIAN M SEELY TROIANO3 | 1908 COUNTESS CT NAPLES, FL 34110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $624 | — | $624 | 14.54% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $384K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $144K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $144K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $144K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $144K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $384K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 18 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.