| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 5310 CLARK RD STE 1 SARASOTA, FL 34233 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DRIVE CLEARWATER CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY ON AMERICA | $4K | $4K | $8K | 11.53% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | HEALTH OPTIONS, INC. | $912 | — | $912 | 4.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.36% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $191 | $2K | 8.29% |
| MARK F BARRETT LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $687 | $235 | $922 | 5.08% |
| RICHARD LEWIS SOLLNER3 Filed as: RICHARD ANTHONY CALIFANO | 3007 W SAN ISIDRO STREET TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $31 | $704 | 3.88% |
| SHIRLEY B DRAKE3 | 14141 64TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $192 | $602 | 3.32% |
| JARRET THOMAS HONAHAN3 | 14141 46TH STREET CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $69 | $362 | 2.00% |
| DONALD GERARD RAYMOND3 | 15839 AURORA LAKE CIRCLE WIMAUMA, FL 33598 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.66% |
| EMPLOYEE BENEFIT CONSULTANTS | C/O COLONIAL LIFE INS. CO. PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.13% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | STANDARD INSURANCE COMPANY | $638 | — | $638 | 11.64% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | STANDARD INSURANCE COMPANY | $767 | — | $767 | 14.81% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $18K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY ON AMERICA | 153 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY ON AMERICA | 153 | $73K |
| Life insurance | STANDARD INSURANCE COMPANY | 208 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 208 | $5K |
| Long-term disability | STANDARD INSURANCE COMPANY | 7 | $5K |
| Other | BLUE CROSS BLUE SHIELD OF FLORIDA | 183 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.