| 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. | $94K | — | $94K | 3.91% |
| 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 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-BOUCHAR | 101 N STARCREST DR CLEARWATER, FL 337653225 | FLORIDA COMBINED LIFE | $10K | — | $10K | 10.77% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $601 | — | $601 | 0.68% |
| 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 | $8K | $3K | $10K | 19.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-BOUCHAR | 101 N STARCREST DR CLEARWATER, FL 337653225 | USABLE LIFE | $4K | — | $4K | 8.34% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $475 | — | $475 | 1.01% |
| 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. | $2K | — | $2K | 9.77% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $301 | $1K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA BOU | 101 N STARCREST DR CLEARWATER, FL 33765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $74 | $1K | 7.09% |
| PATRICIA ANN BETTS3 | 1910 LEAPING WILDCAT PL RUSKIN, FL 33570 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 1.54% |
| SHELBY GROUP INC3 | 3496 E WOODMONT WAY PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $9 | $216 | 1.32% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | $12 | $170 | 1.04% |
| RICHARD LEWIS SOLLNER3 | 2645 S DUNDEE ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.62% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N STE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $3 | $101 | 0.62% |
| VIVIAN LORENA CLIFTON3 | 7349 ULMERTON RD LOT 275 LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.39% |
| TDG FINANCIAL SERVICES INC3 | 100 HAMPTON ROAD CLEARWATER, FL 33759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 190 | $88K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 153 | $20K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 287 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $51K |
| Prescription drug | HEALTH OPTIONS INC. | 144 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 287 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.