| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOUCHARD INSURANCE3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | $97K | $97K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLELLAN AGENCY LLC | BOUCHARD 485 N KELLER RD MAITLAND, FL 327517503 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 0.71% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | DELTA DENTAL OF VIRGINIA | $8K | — | $8K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA BOUCHARD INSURANCE 101 STARCREST DRIVE CLEARWATER, FL 33765 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $970 | — | $970 | 9.16% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 EAST BURWELL STREET SALEM, VA 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $56 | — | $56 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 101 STARCREST DRIVE CLEARWATER, FL 33765 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 5.77% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 WELLNESS MEMBERSHIP | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $145K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance brokerage commissions and fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 15 | P.O. BOX 412703 BOSTON, MA 02241 | $15K |
| BOUCHARD INSURANCE BROKER | Insurance brokerage commissions and fees; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 15 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | $7K |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 347 | $3.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 523 | $152K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.