| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 9.86% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.91% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $322 | $11K | 9.84% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $172 | $4K | 15.75% |
| GILBSPAR, LLC3 | UNKNOWN COVINGTON, LA 70434 | GILSBAR, LLC | $1K | — | $1K | 7.12% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 34618 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.31% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | VISION SERVICE PLAN | $1K | — | $1K | 9.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $609K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $136K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $107K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.