| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR NAPLES, FL 34135 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 1421 PINE RIDGE RD STE 200 NAPLES, FL 341092116 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 1.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $801 | — | $801 | 2.30% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPRINGS, FL 34135 | STANDARD INSURANCE COMPANY | $622 | — | $622 | 1.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $160 | $160 | 0.46% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPRINGS, FL 34135 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $853 | — | $853 | 3.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $268 | $268 | 0.97% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPRINGS, FL 34135 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $961 | — | $961 | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC. | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $245 | $245 | 0.95% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIR 2ND FLOOR BONITA SPRINGS, FL 34135 | STANDARD INSURANCE COMPANY | $774 | — | $774 | 6.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1421 PINE RIDGE ROAD #200 NAPLES, FL 34109 | STANDARD INSURANCE COMPANY | $408 | — | $408 | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | — | $117 | $117 | 0.95% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIRCLE 2ND FL BONITA SPRINGS, FL 34135 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $535 | — | $535 | 5.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - NAPLES, FL | 1421 PINE RIDGE RD, STE. 200 NAPLES, FL 34109 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $357 | — | $357 | 3.71% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $633K |
| Dental | STANDARD INSURANCE COMPANY | 98 | $35K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 148 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $633K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.