| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | — | $47K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS | $27K | — | $27K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | USABLE LIFE | $14K | $790 | $15K | 10.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $1K | $3K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | FLORIDA COMBINED LIFE | $6K | — | $6K | 14.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | FLORIDA COMBINED LIFE | $617 | — | $617 | 10.59% |
| UNKNOWN3 | — | HEALTHJOY, LLC | $0 | — | $0 | — |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $1.6M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 81 | $47K |
| Vision | HUMANA INSURANCE COMPANY | 124 | $12K |
| Life insurance | USABLE LIFE | 184 | $138K |
| Short-term disability | USABLE LIFE | 184 | $138K |
| Long-term disability | USABLE LIFE | 184 | $138K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $1.6M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 184 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.