| 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 | $19K | $5K | $24K | 17.92% |
| 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 | $1K | — | $1K | 9.32% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $644 | — | $644 | 4.25% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 0.75% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $600 | — | $600 | 9.38% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 7.39% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 1.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS, LLC EIN 65-0851406 TPA | Claims processing; Other insurance fees and expenses Service code 12 | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | $20K |
| WALLACE WELCH AND WILLINGHAM BROKER | Insurance agents and brokers Service code 22 | 300 FIRST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | $18K |
| AMPS TPA | Other insurance fees and expenses; Claims processing Service code 12 | 35 TECHNOLOGY PARKWAY S STE 100 PEACHTREE CORNERS, GA 30092 | $12K |
| NARUS HEALTH INC.-CONCIERGE EIN 47-1929604 TPA | Claims processing; Other insurance fees and expenses Service code 12 | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | $5K |
| 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 | $3K |
| NARUS HEALTH INC. EIN 47-1929604 TPA | Claims processing; Other insurance fees and expenses Service code 12 | 424 CHURCH ST. STE 2300 NASHVILLE, TN 37219 | $3K |
| MULTIPLAN, INC. EIN 13-3068979 TPA | Other insurance fees and expenses; Claims processing Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $2K |
| TELADOC, INC. EIN 04-3705970 TPA | Claims processing; Other insurance fees and expenses Service code 12 | PO BOX 123417 DALLAS, TX 75312 | $1K |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $132K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $132K |
| Stop-loss / reinsurancereinsurance | EVEREST NATIONAL INSURANCE COMPANY | 59 | $90K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.