| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $525K | $626K | 4.69% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158K | — | $158K | 22.23% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC. | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | — | $73K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109K | $2K | $111K | 31.59% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 33624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | $3 | $753 | 0.21% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 STE 202 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 2.44% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE STE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 2.44% |
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 | 4,574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,574 | $13.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 4,574 | $13.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 4,574 | $13.3M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,593 | $447K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $711K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $711K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,593 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,574 | — |
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.