| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 222 CHURCH STREET KISSIMMEE, FL 34741 | HEALTH OPTIONS | $30K | — | $30K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 222 CHURCH STREET KISSIMMEE, FL 34741 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 5310 CLARK ROAD STE 1 SARASOTA, FL 34233 | USABLE LIFE | $13K | $4K | $17K | 12.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $577 | $577 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 5310 CLARK ROAD STE 1 SARASOTA, FL 34233 | USABLE LIFE | $3K | $999 | $4K | 12.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 5310 CLARK ROAD STE 1 SARASOTA, FL 34233 | USABLE LIFE | $4K | $1K | $5K | 15.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 5310 CLARK ROAD STE 1 SARASOTA, FL 34233 | USABLE LIFE | $2K | — | $2K | 12.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $121 | $121 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 5310 CLARK ROAD STE 1 SARASOTA, FL 34233 | USABLE LIFE | $434 | $686 | $1K | 31.51% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 85 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 127 | $76K |
| Vision | STANDARD INSURANCE COMPANY | 120 | $16K |
| Life insurance(2 contracts) | USABLE LIFE | 198 | $52K |
| Short-term disability | USABLE LIFE | 198 | $133K |
| Long-term disability | USABLE LIFE | 32 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 47 | $643K |
| Other(2 contracts) | USABLE LIFE | 198 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.