| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 STARCREST DR CLEARWATER, FL 33765 | HUMANA MEDICAL PLAN, INC. | $31K | $6K | $37K | 2.79% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC | 300 W PLATT ST TAMPA, FL 33606 | HUMANA MEDICAL PLAN, INC. | $15K | — | $15K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $806 | $10K | 4.84% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY, LLC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $452 | $4K | 1.78% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $2K | $10K | 7.45% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $855 | $5K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $432 | $3K | 7.38% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $209 | $1K | 3.57% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.62% |
| M.E. WILSON COMPANY, LLC3 | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.18% |
| BOUCHARD INSURANCE3 Filed as: BOUCHARD FINANCIAL SERVICES INC | PO BOX 6090 CLEARWATER, FL 33758 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.70% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY INC | 300 W PLATT ST STE 200 TAMPA, FL 33606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329 | — | $329 | 1.69% |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 144 | $1.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 153 | $141K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 153 | $141K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $232K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $197K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 144 | $1.3M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.