| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | 5310 CLARK RD STE 1 SARASOTA, FL 342333230 | HEALTH OPTIONS, INC | $90K | — | $90K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 101 STARCREST DRIVE NORTH CLEARWATER, FL 33765 | GUARDIAN | $7K | $2K | $9K | 8.17% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | GUARDIAN | $40 | — | $40 | 0.04% |
| ADAMS GROUP INSURANCE INC.3 | 7441 N. TAMIAMI TRAIL SARASOTA, FL 34243 | RELIANCE STANDARD INSURANCE COMPANY | $7K | $5K | $11K | 12.52% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS CO | 5310 CLARK ROAD SUITE 1 SARASOTA, FL 34233 | RELIANCE STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.28% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE | 101 STARCREST DR CLEARWATER, FL 337653225 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.63% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.08% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC | 208 | $1.8M |
| Dental | GUARDIAN | 190 | $112K |
| Vision | GUARDIAN | 190 | $112K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 127 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $45K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 127 | $91K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 127 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.