| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | HUMANA HEALTH PLAN, INC. | $61K | $536 | $61K | 15.30% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 1.09% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 3.28% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $774 | $6K | 16.84% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 110 | $399K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $203K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $203K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $203K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $203K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $203K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 110 | $399K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.