| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | HUMANA INSURANCE COMPANY/HUMANA MEDICAL PLAN | $48K | $4K | $52K | 4.70% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC | STE G2 3165 N MCMULLEN BOOTH CLEARWATER, FL 33761 | HUMANA INSURANCE COMPANY/HUMANA MEDICAL PLAN | $10K | $2K | $12K | 1.08% |
| BOUCHARD INSURANCE3 | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTHIEST YOU | $11K | — | $11K | 25.00% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY | 3165 MCMULLEN BOOTH ROAD CLEARWATER, FL 34621 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.01% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $146 | $2K | 14.68% |
| DAVIS II COMPANIES LLC3 | 5426 BAY CENTER DR TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 33758 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.51% |
| FESSLER AGENCY INC3 Filed as: THE FESSLER AGENCY INC | 3165 N MCMULLEN BOOTH RD CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $529 | — | $529 | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $140 | $140 | 0.96% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY/HUMANA MEDICAL PLAN | 275 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY/HUMANA MEDICAL PLAN | 134 | $1.1M |
| Vision | HUMANA INSURANCE COMPANY/HUMANA MEDICAL PLAN | 134 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $15K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 43 | $16K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.