| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SAINT PETERSBURG, FL 337014209 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 3.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 333232855 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.48% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST. PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $752 | — | $752 | 3.33% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 SAINT PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $992 | — | $992 | 6.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $578 | — | $578 | 3.68% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $655 | — | $655 | 5.72% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.49% |
| BH PREFERRED LLC3 | 2817 WEST END AVENUE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $472 | — | $472 | 5.48% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST. PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | — | $623 | 9.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $345 | — | $345 | 5.35% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $649 | — | $649 | 14.01% |
| BH PREFERRED LLC3 | 2817 WEST END AVENUE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 7.30% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.4M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $98K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $16K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $23K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.