| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $142K | — | $142K | 21.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY STE 2500 HOUSTON, TX 77019 | STANDARD INSURANCE COMPANY | $48K | $2K | $50K | 11.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST CLEARWATER, FL 33765 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 5.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.04% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | STANDARD INSURANCE COMPANY | — | $364 | $364 | 0.08% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $652K |
| Dental | STANDARD INSURANCE COMPANY | 360 | $428K |
| Vision | STANDARD INSURANCE COMPANY | 360 | $428K |
| Life insurance | STANDARD INSURANCE COMPANY | 360 | $428K |
| Short-term disability | STANDARD INSURANCE COMPANY | 360 | $428K |
| Long-term disability | STANDARD INSURANCE COMPANY | 360 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.