| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH&MCLENNAN AGENCY LLC-BOUCHARD | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA MEDICAL PLAN, INC | $32K | $2K | $35K | 5.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH&MCLENNAN AGENCY LLC-BOUCHARD | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 9.86% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 27.85% |
| ROGER BOUCHARD INSURANCE INC3 | 101 N STARCREST DRIVE CLERWATER, FL 33765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40 | $579 | $619 | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 450 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $529 | — | $529 | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH&MCLENNAN AGENCY LLC-BOUCHARD | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COMPBENEFITS COMPANY | $664 | — | $664 | 9.99% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 117 | $606K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 125 | $75K |
| Vision | HUMANA INSURANCE COMPANY | 125 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 343 | $11K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 343 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.