| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 5310 CLARK ROAD, SUITE 1 SARASOTA, FL 34233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $4K | $91K | 20.50% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE CO. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $68K | $68K | 15.38% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 3.38% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $552 | $19K | 8.55% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, SUITE 600 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 5310 CLARK ROAD, SUITE 1 SARASOTA, FL 34233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 12.48% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 5310 CLARK ROAD, SUITE 1 SARASOTA, FL 34233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.73% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 5310 CLARK ROAD, SUITE 1 SARASOTA, FL 34233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.46% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 5310 CLARK ROAD, SUITE 1 SARASOTA, FL 34233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $502 | — | $502 | 12.65% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $444K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $220K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $220K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 323 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $25K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 323 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.