| 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 | HUMANA MEDICAL PLAN, INC. | $22K | $1K | $23K | 4.19% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | PO BOX 6090 CLEARWATER, FL 33758 | UNITEDHEALTHCARE INSUANCE COMPANY | $34K | $1K | $35K | 10.48% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $21K | 19.18% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE INC. | PO BOX 6090 CLEARWATER, FL 33758 | HUMANA INSURANCE COMPANY | $3K | $2K | $5K | 11.63% |
| KAREN PICCININI3 | 425 WEST COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $574 | $70 | $644 | 6.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF FLORIDA LLC | PO BOX 2046 APOPKA, FL 32704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $0 | $439 | 4.67% |
| ALLEGIANT BENEFITS & SERVICES LLC3 Filed as: ALLEGIANT BENEFITS AND SVCS. LLC | 7512 DR. PHILLIPS BOULEVARD ORLANDO, FL 32819 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $34 | $205 | 2.18% |
| JOHN PICCININI3 | 425 WEST COLONIAL DRIVE, SUITE 304 ORLANDO, FL 32804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $2 | $151 | 1.61% |
| SIERRA ALVARADO3 | 608 ORCHID LANE ALTAMONTE SPRINGS, FL 32714 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $7 | $95 | 1.01% |
| AGGRESSIVE NETWORKER LLC3 Filed as: AGGRESSIVE NETWORKER /OTHER AGENTS | 1614 JESSAMINE AVENUE ORLANDO, FL 32806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $8 | $38 | 0.40% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.20% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 115 | $886K |
| Dental | HUMANA INSURANCE COMPANY | 80 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 80 | $46K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $119K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $119K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $119K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 115 | $886K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.