| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY - BOUCHARD INS | 101 N STARCREST DRIVE CLERWATER, FL 33765 | HEALTH OPTIONS, INC | $55K | — | $55K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY - BOUCHARD INS | 101 N STARCREST DRIVE CLERWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 485 N KELLER ROAD MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | -$186 | $5K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83K | $1K | $84K | 169.16% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 115 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $50K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $50K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 115 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 78 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.