| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 337586090 | HEALTH OPTIONS INC. | $84K | — | $84K | 6.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | P.O. BOX 6090 CLEARWATER, FL 337586090 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 6.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | FLORIDA COMBINED LIFE | $5K | — | $5K | 9.88% |
| FLORIDA BLUE3 Filed as: SHANA FAISON - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 4.30% |
| FLORIDA BLUE3 Filed as: RANDALL WOODS - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $298 | — | $298 | 0.65% |
| FLORIDA BLUE3 Filed as: GERALD THOMAS - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $298 | — | $298 | 0.65% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $521 | $4K | 20.80% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $662 | $3K | 15.85% |
| UNITED TAX & FINANCE ADVISORY SERVI3 | 18135 CANAL POINTE ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| RICHARD LEWIS SOLLNER3 | 2645 S DUNDEE ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $657 | $261 | $918 | 4.53% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $134 | $873 | 4.30% |
| TDG FINANCIAL SERVICES INC3 | 12360 66 ST N UNIT U LARGO, FL 33773 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $65 | $731 | 3.60% |
| JERRY R MAUREY3 | 34401 SMART DRIVE ZEPHYRHILLS, FL 33541 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $238 | $436 | 2.15% |
| COMPASS FINANCIAL PARTNERS INC3 | 5512 REFLECTIONS BLVD LUTZ, FL 33558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 1.57% |
| BRENDA GEISLER-MURPHY3 | 2939 PINEWOOD RUN PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 1.54% |
| JOANNE RIVERA3 | 18135 CANAL POINTE ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 1.42% |
| SHELBY GROUP INC3 | 1175 STEWART DR DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $5 | $109 | 0.54% |
| SARA ANN MATERA3 | 82 EASTWINDS CT PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.53% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | USABLE LIFE | $3K | — | $3K | 15.97% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.45% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $1K | — | $1K | 10.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 120 | $46K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 110 | $12K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 166 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $19K |
| Prescription drug | HEALTH OPTIONS INC. | 125 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.