| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $911 | $7K | 7.49% |
| FOUNDATION RISK PARTNERS CORP3 | 26 LAKE WIRE DR LAKELAND, FL 33815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.44% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 E 5TH AVE TAMPA, FL 33605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $57 | $9K | 14.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.70% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.56% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1724 E 5TH AVE TAMPA, FL 33605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.19% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.25% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $529 | — | $529 | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $162K |
| ROGER BOUCHARD INS INC EIN 59-1117778 BROKER | Other commissions Service code 55 | 101 STARCREST DR CLEARWATER, FL 33765 | $40K |
| OMS INSURANCE GROUP INC. EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $20K |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $98K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $49K |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $63K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $509K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.