| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | 8191 COLLEGE PKWY #202 FORT MYERS, FL 33919 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $8K | $8K | 1.16% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.69% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $42K | — | $42K | 24.74% |
| ENROLLMENT ALLIANCE LLC3 | 3030 N ROCKY POINT DR STE 150 TAMPA, FL 33607 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $25K | — | $25K | 14.46% |
| JAKE ZIMMERMAN3 | 6302 NESTING CT TAMPA, FL 33625 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.33% |
| JAHNOL EVANS | 9303 ASHFIELD CT TAMPA, FL 33615 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.74% |
| ENRIQUE INGLESIAS3 | 1706 BELLEAIR FOREST DR #252 BELLEAIR, FL 33756 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.10% |
| K & J NELSON INC3 | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.41% |
| SCOTT HAGENBUCH3 | 9688 105TH AVE LARGO, FL 33773 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.90% |
| JEFFREY NELSON3 | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.79% |
| CRISTINA M FIALLO3 Filed as: CRISTINA FIALLO | 18102 PORTSIDE ST TAMPA, FL 33647 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL INC. | 7301 6TH AVE N ST. PETERSBURG, FL 33710 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| ROBERT LEESMAN3 | 7933 HAMPTON LAKE DRIVE TAMPA, FL 33647 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| BENEFITS WITH FRIENDS3 Filed as: BENEFITS WITH FRIENDS LLC | 9113 79TH AVE SEMINOLE, FL 33777 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| JENNA L CARLONE3 Filed as: JENNA CARLONE | 573 SCRUBJAY LANE JUPITER, FL 33458 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| KATHLEEN ANN NELSON3 Filed as: KATHLEEN NELSON | 8512 WESTERLAND DR LAND O LAKES, FL 34637 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $1K | $14K | 12.04% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $20K | 18.27% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.35% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 18.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.66% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | RELIANCE STANDARD LIFE INSURANCE CO | $7K | — | $7K | 12.50% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 | Claims processing Service code 12 | — | $154K |
| ROGER BOUCHARD INSURANCE | Other commissions Service code 55 | PO BOX 6090 CLEARWATER, FL 33758 | $68K |
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 | 550 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $780K |
| Life insurance(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $194K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | 492 | $281K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 336 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.