| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS INC. | $119K | — | $119K | 6.68% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | HEALTH OPTIONS INC. | -$5K | — | -$5K | -0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 6.32% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | P.O. BOX 6090 CLEARWATER, FL 337586090 | BLUE CROSS BLUE SHIELD OF FLORIDA | $518 | — | $518 | 0.18% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | FLORIDA COMBINED LIFE | $7K | — | $7K | 10.35% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 485 N KELLER RD STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.83% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | USABLE LIFE | $1K | — | $1K | 4.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $176 | — | $176 | 0.79% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $187 | $829 | 6.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 101 N STARCREST DR CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $757 | $53 | $810 | 6.54% |
| RICHARD LEWIS SOLLNER3 | 2645 S DUNDEE ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $48 | $262 | 2.12% |
| SHELBY GROUP INC3 | 1009 PARK DRIVE DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $9 | $199 | 1.61% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $40 | $186 | 1.50% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $40 | $134 | 1.08% |
| UNITED TAX & FINANCE ADVISORY SERVI3 | 18135 CANAL POINTE ST. TAMPA, FL 33647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| TDG FINANCIAL SERVICES INC3 | 192 FAIRWAY MEADOWS DR HAYESVILLE, NC 28904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $670 | — | $670 | 6.63% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | PO BOX 6090 CLEARWATER, FL 33758 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $108 | — | $108 | 1.07% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 137 | $65K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 127 | $10K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 223 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $32K |
| Prescription drug | HEALTH OPTIONS INC. | 119 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 223 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.