| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 FIRST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 337014200 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $9K | $33K | 17.85% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.20% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.14% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $727 | — | $727 | 2.97% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 26.63% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLCE WELCH & WILLINGHAM INC | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.81% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $770 | — | $770 | 4.48% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 25.31% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.14% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $692 | — | $692 | 4.35% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 32.93% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $632 | — | $632 | 6.67% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $511 | — | $511 | 5.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS, LLC EIN 39-1997579 TPA | Claims processing; Other insurance fees and expenses Service code 12 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $42K |
| WALLACE WELCH AND WILLINGHAM BROKER | Insurance agents and brokers Service code 22 | 300 FIRST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | $34K |
| HS TECHNOLOGY EIN 27-1818792 TPA | Other insurance fees and expenses; Claims processing Service code 12 | 3857 BIRCH ST. STE 586 NEWPORT BEACH, CA 92660 | $12K |
| NARUS HEALTH INC.,CORE SERVICE EIN 47-1929604 TPA | Claims processing; Other insurance fees and expenses Service code 12 | 424 CHURCH ST. STE. 2300 NASHVILLE, TN 37219 | $6K |
| LUCENT HEALTH CARE MGMT, LLC EIN 39-1997579 TPA | Other insurance fees and expenses; Claims processing Service code 12 | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | $5K |
| MULTIPLAN, INC. TPA | Claims processing; Other insurance fees and expenses Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $5K |
| TELADOC, INC. EIN 31-1368946 TPA | Claims processing; Other insurance fees and expenses Service code 12 | PO BOX 123417 DALLAS, TX 75312 | $2K |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $185K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $185K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $185K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $185K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $185K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 104 | $147K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.