Many good reasons for the disparity have been posted here. I did not mention that we cook at home 5 nights a week, and that we have a monster fridge in the hot garage. That does make some difference, eh?

Yep. It all adds up! Lifestyles are much of it. I have heard $1 per day for electric cart. DON'T start the gas vs electric here!

If others would post their numbers I will keep the data going to see what it comes up with for numbers. But, it appears the rates are reasonably within the national average. It's just how they are used with appliances, carts, temps, patio doors opening a lot, number of residents in the house, etc

Lights
 

It also depends on how many lights you keep on at night. I spent a month with my family in Missouri in June. They kept all of the lights on in the house until they went to bed. I would turn off a light and someone would come and turn it back on. I finally gave up and figured it was their checkbook paying the bill. LOL

I agree with you. Lifestyles again. To each there own, as long as they know they are "paying" for that lifestyle in one way or another.

Or you could live in Hawaii and pay the highest in the nation (usually about .35 per KWH).

Utilities - Premier home
 

Premier home 3 months, new construction, rear facing south (so no direct western sun), two persons, "cooks" 2 meals per day, small pool with filter running 5 hours per day, keeping summer temps set at 76 degrees, separate HVAC for master turns down to 74 at night. First two bills each $120. We did add extra insulation during construction both in home and over lanai (an option). Do not have electric golf cart. Will wait for cooler temps to open patio doors to lanai.

I too added insulation throughout the house. I don't have any figures to compare it to for savings but my guess would be 5-10% based on previous experiences. But the sound proofing is also nice.
What is the square foot of your home for the calculation? Based on what I am seeing it probably is in the 2400 sf range? But $120 appears to be pretty good for your lifestyle.