| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS | $100K | — | $100K | 4.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $11K | $41K | 19.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | FLORIDA COMBINED LIFE | $8K | — | $8K | 8.28% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $3K | $492 | $3K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 18.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGEN CY LLC | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $4K | — | $4K | 13.58% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | USABLE LIFE | $2K | — | $2K | 5.18% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 202 | $2.3M |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 239 | $146K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $266K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $215K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $215K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $215K |
| Prescription drug | HEALTH OPTIONS | 202 | $2.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.