| 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 | — | $76K | $76K | 5.11% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $21K | 23.76% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.57% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $504 | $7K | 16.18% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $853 | $853 | 2.00% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $257 | $5K | 15.79% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $647 | $647 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $560 | $46 | $606 | 16.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $75 | $75 | 2.01% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $59K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 75 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $32K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.