| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TAMPA | 3520 THOMASVILLE ROAD STE. 500 TALLAHASSEE, FL 32309 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.07% |
| HODGES-MACE BENEFITS GRP INC3 | 5775 GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $10K | $109K | 14.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3520 THOMASVILLE RD STE 500 PO BOX 13769 TALLAHASSEE, FL 32309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 5.10% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS SVCS | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.35% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 32309 | DELTA DENTAL INSURANCE COMPANY | $32K | — | $32K | 5.73% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | 101 STARCREST DR. CLEARWATER, FL 33765 | DELTA DENTAL INSURANCE COMPANY | $15K | — | $15K | 2.58% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 5775 GLENDRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNUM | $20K | $3K | $23K | 15.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 30328 | UNUM | $8K | $3 | $8K | 5.55% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS SVCS | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM | $450 | — | $450 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN HEADQUARTERS | PO BOX 2412 DAYTONA BEACH, FL 32115 | UNUM | — | $431 | $431 | 0.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 3520 THOMASVILLE ROAD STE 500 TALLAHASSEE, FL 32309 | VISION SERVICE PLAN | $7K | — | $7K | 6.76% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | 101 STARCREST DR CLEARWATER, FL 33765 | VISION SERVICE PLAN | $4K | — | $4K | 3.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA | 3520 THOMASVILLE RD STE 500 TALLAHASSEE, FL 32309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $7K | 10.40% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD STE.500 TALLAHASSEE, FL 32309 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 5.80% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | 101 STARCREST DR CLEARWATER, FL 33765 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 3520 THOMASVILLE ROAD TALLAHASSEE, FL 32309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $5K | $7K | 21.69% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $654 | — | $654 | 1.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 3520 THOMASVILLE ROAD STE. 500 TALLAHASSEE, FL 32309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $970 | $310 | $1K | 10.46% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $254 | — | $254 | 2.08% |
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 | 2,022 | 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) | 2,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,079 | $10.8M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 945 | $610K |
| Vision | VISION SERVICE PLAN | 947 | $109K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,017 | $991K |
| Short-term disability | UNUM | 668 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,932 | $33K |
| Other(2 contracts, 2 carriers) | UNUM | 2,932 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,017 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.