| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $356K | $423K | 4.59% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | — | $107K | 14.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 40.86% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $88 | $2K | 0.86% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 STE 202 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.28% |
| BENEFIT ADVISOR NETWORK LLC3 Filed as: BENEFIT ADVISOR NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$1 | -$1 | -0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$12 | — | -$12 | -4.76% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$28 | -$3 | -$31 | -12.30% |
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 | 2,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,238 | $9.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,238 | $9.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,238 | $9.2M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,205 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 619 | $717K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 619 | $717K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,205 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.