| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 2.82% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE, INC | 503 W DR MARTIN LUTHER KING JR BLVD PLANT CITY, FL 33563 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 7.47% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE, INC | 503 W MARTIN LUTHER KING JR BLVD PLANT CITY, FL 33563 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $3K | $5K | 6.63% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $973 | — | $973 | 2.19% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE, INC | 503 W MARTIN LUTHER KING JR BLVD PLANT CITY, FL 33564 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $271 | — | $271 | 0.61% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| VARIOUS - SEE ATTACHED3 | — | AFLAC | $4K | $173 | $4K | 12.44% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | EYEMED | $717 | — | $717 | 6.94% |
| POPPELL INSURANCE, INC.3 Filed as: POPPELL INSURANCE, INC | 503 W MARTIN LUTHER KING JR BLVD PLANT CITY, FL 33563 | EYEMED | $270 | — | $270 | 2.62% |
| RONNIE ROBINSON4 | 1141 FLAMINGO DR AUSTELL, GA 30168 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $89 | — | $89 | 6.25% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 167 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $44K |
| Vision | EYEMED | 188 | $10K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $73K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $73K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 167 | $1.2M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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 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.