| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BECK3 | ROGER BOUCHARD INSURANCE INC 101 STARCREST DRIVE CLEARWATER, FL 33765 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $41K | — | $41K | 3.04% |
| TODD HENDRICKS3 | WILLIS OF ILLINOIS INC. 233 S WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $14K | — | $14K | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOISINC | WILLIS TOWER FLOORS 18, 19, 20 233 S WACKER DR CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $115K | — | $115K | 60.76% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | TRANSAMERICA LIFE INSURANCE COMPANY | $44 | — | $44 | 0.02% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 337586090 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.31% |
| GREGORY MARTENS3 | 233 S WACKER DR STE 2000 CHICAGO, IL 606066400 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 CHICAGO, IL 606066400 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $358 | $1K | 0.84% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: RICHARD BOUCHARD INSURANCE | 101 STARCREST DR. CLEARWATER, FL 33765 | EYEMED VISION CARE | $5K | — | $5K | 13.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S WACKER STE 2000 CHICAGO, IL 60606 | ADVANCE INSURANCE COMPANY OF KANSAS | $2K | — | $2K | 15.26% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 13.87% |
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 | 752 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 476 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 619 | $41K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 752 | $368K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 36 | $10K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $1.3M |
| Stop-loss / reinsurancereinsurance | QBE | 190 | $243K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 752 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.