| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC | PO BOX 6090 CLEARWATER, FL 337586090 | HEALTH OPTIONS, INC. | $60K | — | $60K | 5.00% |
| M.E. WILSON COMPANY, LLC3 | PO BOX 373 TAMPA, FL 336010373 | HEALTH OPTIONS, INC | $12K | — | $12K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N. STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $9K | $28K | 15.01% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 W PLATT ST FL 2 TAMPA, FL 33606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 1.94% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $1K | $18K | 20.83% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 337586090 | FLORIDA COMBINED LIFE | $3K | — | $3K | 6.19% |
| M.E. WILSON COMPANY, LLC3 | PO BOX 373 TAMPA, FL 336010373 | FLORIDA COMBINED LIFE | $387 | — | $387 | 0.91% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 337586090 | BLUE CROSS BLUE SHIELD OF FLORIDA | $883 | — | $883 | 5.00% |
| M.E. WILSON COMPANY, LLC3 | PO BOX 373 TAMPA, FL 336010373 | BLUE CROSS BLUE SHIELD OF FLORIDA | $179 | — | $179 | 4.99% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 166 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 157 | $43K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $184K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $184K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $184K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $184K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 166 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.