| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 1.36% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | FLORIDA HEALTH CARE PLANS, INC. | $8K | — | $8K | 5.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 220 S RIDGEWOOD AVENUE STE 210 DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $6K | — | $6K | 4.57% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $12K | $43K | 36.41% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 2.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 1.32% |
| ROGER BOUCHARD INSURANCE INC3 | 485 N. KELLER ROAD SUITE 450 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.16% |
| ROGER BOUCHARD INSURANCE INC3 | 8191 COLLEGE PKWY STE 202 FORT MYERS, FL 33919 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $739 | $739 | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 220 S RIDGEWOOD AVENUE STE 210 DAYTONA BEACH, FL 32114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $413 | — | $413 | 2.91% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 70 | $915K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $14K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $14K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 47 | $14K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 70 | $663K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.