| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 337586090 | HEALTH OPTIONS INC. | $94K | — | $94K | 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 | $14K | — | $14K | 6.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | FLORIDA COMBINED LIFE | $5K | — | $5K | 8.55% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | USABLE LIFE | $4K | — | $4K | 13.80% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $272 | — | $272 | 0.86% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.83% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $2K | — | $2K | 10.00% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $838 | $437 | $1K | 9.99% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $791 | — | $791 | 6.20% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $125 | $298 | 2.33% |
| RICHARD LEWIS SOLLNER3 | 2645 S DUNDEE ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $67 | $267 | 2.09% |
| UNITED TAX & FINANCE ADVISORY SERVI3 | 18135 CANAL POINTE ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 1.29% |
| PATRICIA M CARDUCCI3 Filed as: PATRICIA M COLLINS | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $44 | $124 | 0.97% |
| TDG FINANCIAL SERVICES INC3 | 192 FAIRWAY MEADOWS DR HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $3 | $77 | 0.60% |
| JERRY R MAUREY3 | 34401 SMART DRIVE ZEPHYRHILLS, FL 33541 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $24 | $39 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC - BOUCHAR | PO BOX 6090 CLEARWATER, FL 33758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $2 | $26 | 0.20% |
| COMPASS FINANCIAL PARTNERS INC3 | 5512 REFLECTIONS BLVD LUTZ, FL 33558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.20% |
| BRENDA GEISLER-MURPHY3 | 2939 PINEWOOD RUN PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| SHELBY GROUP INC3 | 1009 PARK DRIVE DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.12% |
| SARA ANN MATERA3 | 82 EASTWINDS CT PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 148 | $56K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 128 | $15K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 195 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $23K |
| Prescription drug | HEALTH OPTIONS INC. | 132 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 195 | $262K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.