| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $891 | $6K | 14.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 NORTH KROME AVENUE HOMESTEAD, FL 33030 | TRANSAMERICA LIFE INSURANCE COMPAMY | $2K | — | $2K | 8.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPAMY | $740 | — | $740 | 3.75% |
| ROGER BOUCHARD INSURANCE INC3 | 101 NORTH STARCREST DRIVE CLEARWATER, FL 33765 | TRANSAMERICA LIFE INSURANCE COMPAMY | $109 | — | $109 | 0.55% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPAMY | $48 | — | $48 | 0.24% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE | $3K | $565 | $3K | 31.58% |
| MARK F BARRETT LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE | $497 | $519 | $1K | 10.18% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC. | 14716 SOUTHWEST 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE | $360 | $544 | $904 | 9.06% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE | $273 | $311 | $584 | 5.85% |
| JARRET THOMAS HONAHAN3 | 7 HARBOR OAKS CIRCLE SAFETY HARBOR, FL 34695 | COLONIAL LIFE | $368 | $214 | $582 | 5.83% |
| DAVID CHRISTOPHER NUNES3 | 11725 SOUTHWEST 132 COURT MIAMI, FL 33186 | COLONIAL LIFE | $373 | $123 | $496 | 4.97% |
| ESSENTIAL BENEFITS LLC3 | 8421 SOUTHWEST 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE | $444 | $22 | $466 | 4.67% |
| MARIO P CASERTA3 | 12531 SOUTHWEST 112 AVENUE MIAMI, FL 33176 | COLONIAL LIFE | $253 | $68 | $321 | 3.22% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE | $293 | $13 | $306 | 3.07% |
| JORGE MARTINEZ3 | 2030 SOUTH OCEAN DRIVE HALLANDALE, FL 33009 | COLONIAL LIFE | $96 | — | $96 | 0.96% |
| LUIS JOSE SOTO JR3 | 9369 SOUTHWEST 224 TERRACE CUTLER BAY, FL 33190 | COLONIAL LIFE | $88 | — | $88 | 0.88% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE | $78 | $8 | $86 | 0.86% |
| SHIRLY B DRAKE3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE | $37 | $38 | $75 | 0.75% |
| SUSAN C BRIMHALL3 Filed as: SUSAN PAPA | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE | $23 | $11 | $34 | 0.34% |
| CHERYL ANN GILES3 | 9100 9TH STREET NORTH ST PETERSBURG, FL 33702 | COLONIAL LIFE | $33 | — | $33 | 0.33% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $44K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.