| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 617 GULF RESEARCH LANE, SUITE 202 FORT MYERS, FL 33912 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | $0 | $34K | 2.83% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 617 GULF RESEARCH LANE, SUITE 202 FORT MYERS, FL 33912 | HEALTH OPTIONS | $17K | $0 | $17K | 3.27% |
| BROWN & BROWN INSURANCE SERVICES3 | 1421 PINE RIDGE ROAD, SUITE 200 NAPLES, FL 34109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 13.17% |
| BROWN & BROWN INSURANCE SERVICES3 | 1605 CONCENTRIC BOULEVARD, SUITE 2 SAGINAW, MI 48604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $18K | 5.86% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE STREET, SUITE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 5.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.