| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 29492 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 5.69% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.32% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $977 | — | $977 | 8.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 SAINT PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $971 | — | $971 | 15.01% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST. PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | — | $694 | 15.00% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $828K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $17K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 220 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.