| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM INC | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 337014200 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.62% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM INC | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 337014200 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 16.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM INC | PO BOX 33020 ST PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 14.22% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $364 | $2K | 20.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 HLTH PROVIDER | Contract Administrator; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing; Other services; Other commissions; Float revenue; Direct payment from the plan Service code 12 | — | $108K |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $93K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $64K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.