| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS | $12K | — | $12K | 1.98% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | HEALTH OPTIONS | $6K | — | $6K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 2.11% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 5310 CLARK RD, STE 1 SARASOTA, FL 34233 | USABLE LIFE | $6K | $342 | $6K | 9.82% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5411 SKY CENTER DR SUITE 600 TAMPA, FL 33607 | USABLE LIFE | $3K | — | $3K | 4.47% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | — | $144 | $144 | 0.23% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $15K | $20K | 36.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC- BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 8.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 5411 SKY CENTER DR SUITE 600 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 18.30% |
| POWERS RANDOLPH T3 | PO BOX 101088 CAPE CORAL, FL 33910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $300 | — | $300 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC- BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| WORKFORCE BENEFITS LLC3 | 310 TRUMAN AVENUE LEHIGH ACRES, FL 33936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET STREET, #3 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| MCGUCKIN DAVID3 | 622 CENTER STREET HURON, OH 44839 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC-BOUCHARD | 101 N STARCREST DR CLEARWATER, FL 33765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $953 | — | $953 | 6.73% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 5411 SKY CENTER DR SUITE 600 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $462 | — | $462 | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC- BOUCHARD | 101 STARCREST DR CLEARWATER, FL 33765 | METROPOLITAN LIFE INSURANCE COMPANY | $337 | — | $337 | 4.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $170 | — | $170 | 2.20% |
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 | 141 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 178 | $841K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $55K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $8K |
| Life insurance | USABLE LIFE | 141 | $64K |
| Short-term disability | USABLE LIFE | 141 | $64K |
| Long-term disability | USABLE LIFE | 141 | $64K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 91 | $787K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 141 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.