| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | RELIASTAR LIFE INSURANCE COMPANY | $82K | — | $82K | 10.00% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $41K | $41K | 5.00% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 2.88% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 2.67% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 8.16% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 562.23% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $83 | $83 | — |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $815 | $815 | — |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | — |
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 | 998 | 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) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,013 | $495K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,013 | $495K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 998 | $188 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 998 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 998 | $0 |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,525 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,525 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.