| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | 5.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW RD STE CHARLOTTE, NC 282103277 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 5.93% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 337586090 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 203501 DALLAS, TX 75320 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.24% |
| ROGER BOUCHARD INSURANCE INC Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 21.99% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $545 | $7K | 6.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF FLORIDA | P O BOX 2046 APOPKA, FL 32704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 4.98% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $378 | $3K | 2.76% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $195 | $2K | 1.79% |
| SIERRA ALVARADO3 | 608 ORCHID LANE ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $133 | $2K | 1.55% |
| CRYSTAL LEADY3 | 12071 VIRGINIA DR LEESBURG, FL 34788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.20% |
| AGGRESIVE NETWORKER LLC | 1614 JESSAMINE AVE ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $80 | $184 | 0.19% |
| KRISTINA SUE TREZISE3 | 2017 ELCAMPO AVE DELTONA, FL 32725 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $32 | $136 | 0.14% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.13% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.06% |
| R K MATHEWS INC3 Filed as: R K MATHEWS | 853 GREENS AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.05% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ROGER BOUCHARD INSURANCE INC | PO BOX 6090 CLEARWATER, FL 337586090 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.55% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 83 | $44K |
| Vision | HUMANA INSURANCE COMPANY | 83 | $44K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $201K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $201K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $201K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.