| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 2.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY - BOUCHARD | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | HEALTH OPTIONS | $10K | — | $10K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | ARMADACARE | $988 | — | $988 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.84% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE STE 400 FT LAUDERDALE, FL 33334 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.43% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $71 | $2K | 7.00% |
| JAN TINDER ENTERPRISES INC4 | 6943 COHASSET CIRCLE RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $463 | — | $463 | 13.63% |
| MARSH & MCLENNAN AGENCY LLC4 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $353 | — | $353 | 10.39% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $44 | $459 | 20.30% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.98% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 47 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $61K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $91K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 47 | $902K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.