| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCI INSURANCE SOLUTIONS, INC.3 | 12750 SW 128TH ST #205 MIAMI, FL 33186 | BLUECROSS BLUESHIELD OF TX | $35K | — | $35K | 2.56% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | BLUECROSS BLUESHIELD OF TX | $10K | — | $10K | 0.70% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TX | $3K | $886 | $4K | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $3 | $28K | 4.94% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $13K | $115 | $13K | 3.98% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | HUMANA MEDICAL PLAN, INC. | $11K | — | $11K | 3.61% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HUMANA MEDICAL PLAN, INC. | $3K | — | $3K | 0.90% |
| WORLDS INS ASSOC LLC3 | 656 SHREWSBURY AVE STE 200 TINTON FALLS, NJ 07701 | HUMANA MEDICAL PLAN, INC. | — | $1K | $1K | 0.38% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | — | $35 | $35 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-ROSEVILLE | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $7K | — | $7K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 33701 | SUTTER HEALTH PLAN | $1K | — | $1K | 1.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 17.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 701 UNIVERSITY AVE STE 100 SACRAMENTO, CA 95825 | WESTERN HEALTH ADVANTAGE | $4K | — | $4K | 4.94% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | WESTERN HEALTH ADVANTAGE | $754 | — | $754 | 0.99% |
| BCI INSURANCE SOLUTIONS, INC.3 Filed as: BCI INSURANCE SOLUTIONS INC | 800 GESSNER RD #300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 4.50% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | DEARBORN LIFE INSURANCE COMPANY | $229 | $300 | $529 | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $47 | $6K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.84% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 7.11% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $783 | — | $783 | 2.37% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.72% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH &WILLINGHAM INC | 300 FIRST FLOOR ST PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $505 | — | $505 | 1.56% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STARMOUNT LIFE INSURAN | $3K | — | $3K | 9.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 3300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURAN | — | $1K | $1K | 4.79% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | COMPBENEFITS COMPANY | $807 | — | $807 | 5.60% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | $266 | — | $266 | 1.85% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVE STE 200 TINTON FALLS, NJ 07701 | COMPBENEFITS COMPANY | — | $68 | $68 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $893 | — | $893 | 6.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GPR INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.19% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.70% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.47% |
| REYNOLDS SCOTT W3 | 164 SEABREEZE MANOR CT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 27.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $394 | $394 | 4.27% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 S DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $360 | — | $360 | 3.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $101 | — | $101 | 1.10% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $597 | $2K | 23.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $303 | $303 | 4.25% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $278 | — | $278 | 3.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $79 | — | $79 | 1.11% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 3.31% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 2.38% |
| REYNOLDS SCOTT W3 | 164 SEABREEZE MANOR CT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.20% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 10.21% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $418 | — | $418 | 9.19% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 1.34% |
| REYNOLDS SCOTT W3 | 164 SEABREEZE MANOR CT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $71 | $71 | $142 | 3.16% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $450 | — | $450 | 11.70% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 6.68% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33887 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 1.07% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | — | $244 | 9.02% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 7.87% |
| REYNOLDS SCOTT3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | COMPBENEFITS COMPANY | $91 | — | $91 | 4.95% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE 5TH FL ST. PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | $30 | — | $30 | 1.63% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC | 100 WOOD AVE S 4TH FL ISELIN, NC 08830 | COMPBENEFITS COMPANY | $3 | — | $3 | 0.16% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 6.69% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCS INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 5.10% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.64% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | BLUECROSS BLUESHIELD OF TX | 377 | $3.3M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $122K |
| Vision(5 contracts, 5 carriers) | DEARBORN LIFE INSURANCE COMPANY | 118 | $141K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $137K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 118 | $67K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 118 | $69K |
| Prescription drug | SUTTER HEALTH PLAN | 35 | $146K |
| Other(13 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS | 513 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.