| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS, INC. | $54K | — | $54K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | $27K | — | $27K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $38 | $18K | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $889 | $889 | 0.48% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | $15K | $56K | 64.65% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 94 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $186K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $186K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 94 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.