| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | BOUCHARD 101 N STARCREST DR CLEARWATER, FL 337653225 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $102K | $102K | 3.05% |
| BOUCHARD INSURANCE3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$56 | -$56 | -0.00% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 5.91% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 12.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA BOUCHARD INSURANCE 101 STARCREST DRIVE CLEARWATER, FL 33765 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $617 | — | $617 | 12.24% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BOUCHARD INSURANCE 101 STARCREST DRIVE CLEARWATER, FL 33765 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14 | — | $14 | 11.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 04-3705970 WELLNESS MEMBERSHIP | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $118K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | P.O. BOX 412703 BOSTON, MA 02241 | $18K |
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 | 893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $3.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 425 | $124K |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 290 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.