| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY BOUCHARD | 101 N. STARCREST DRIVE CLEARWATER, FL 33765 | OPTIMA HEALTH PLAN | $7K | — | $7K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY BOUCHARD | 101 N. STARCREST DRIVE CLEARWATER, FL 33765 | OPTIMA HEALTH PLAN | $2K | — | $2K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY BOUCHARD | 101 N. STARCREST DRIVE CLEARWATER, FL 33765 | OPTIMA HEALTH INSURANCE COMPANY | $462 | — | $462 | 0.39% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 EAST BURWELL STREET SALEM, VA 24153 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 4.58% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS, INC. | PO BOX 6090 CLEARWATER, FL 33758 | DELTA DENTAL OF VIRGINIA | $493 | — | $493 | 0.41% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 EAST BURWELL STREET SALEM, VA 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.19% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 278 | $3.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 421 | $119K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 254 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.