| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | $64K | — | $64K | 5.36% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $190 | $190 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$9 | -$9 | -0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC | 83 N PARK PLACE BLVD STE 101 CLEARWATER, FL 33759 | METROPOLITAN LIFE INSURANCE COMPANY | -$112 | — | -$112 | -0.16% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | PO BOX 6090 CLEARWATER, FL 33758 | FLORIDA COMBINED LIFE | $6K | — | $6K | 9.15% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | HUMANA INSURANCE COMPANY | $1K | $1K | $3K | 13.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH&MCLENNAN AGENCY LLC-BOUCHARD | 101 STARCREST DR CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $682 | — | $682 | 3.19% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | PO BOX 6090 CLEARWATER, FL 33758 | FLORIDA COMBINED LIFE | $1K | — | $1K | 8.57% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | 108 | $1.2M |
| Dental(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 97 | $97K |
| Vision | HUMANA INSURANCE COMPANY | 97 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $72K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | 108 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.