| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N. STARCREST DR. CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 2.79% |
| SANDSTONE PARTNERS HOLDINGS LLC3 Filed as: SANDSTONE PARTNERS HOLDINGS, LLC | 311 PARK PLACE BLVD. STE 620 CLEARWATER, FL 33759 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGY - BOUCHARD INS | 101 STARCREST DRIVE CLERWATER, FL 33765 | FLORIDA COMBINED LIFE | $3K | — | $3K | 7.14% |
| SANDSTONE PARTNERS HOLDINGS LLC3 | 311 PARK PLACE BLVD. STE 620 CLEARWATER, FL 33759 | FLORIDA COMBINED LIFE | $1K | — | $1K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $3K | 8.52% |
| SANDSTONE PARTNERS HOLDINGS LLC3 | 6160 CENTRAL AVENUE SUITE 200 ST. PETERSBURG, FL 33707 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $215 | $2K | 7.48% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 ST. PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC BOUCHARD | 101 STARCREST DRIVE CLERWATER, FL 33765 | BLUECROSS BLUE SHIELD OF FLORIDA, INC. | $505 | — | $505 | 5.56% |
| SANDSTONE PARTNERS HOLDINGS LLC3 | 311 PARK PLACE BLVD. STE 620 CLEARWATER, FL 33759 | BLUECROSS BLUE SHIELD OF FLORIDA, INC. | $31 | — | $31 | 0.34% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 131 | $836K |
| Dental | FLORIDA COMBINED LIFE | 123 | $45K |
| Vision | BLUECROSS BLUE SHIELD OF FLORIDA, INC. | 90 | $9K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 45 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 131 | $836K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 45 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.