| 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 ST. PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $23K | 18.66% |
| WATCHTOWER BENEFITS, LLC3 | 2734 N MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.50% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | $0 | $150 | 2.05% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.37% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $597 | $0 | $597 | 11.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | $0 | $171 | 3.41% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.66% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $281 | $0 | $281 | 7.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 1.87% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.31% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | $0 | $391 | 14.87% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | $0 | $59 | 2.24% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.38% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $364 | $0 | $364 | 16.20% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 1.65% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.27% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | $0 | $57 | 6.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP, INC. | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 1.74% |
| SCOTT REYNOLDS3 Filed as: SCOTT W REYNOLDS | 164 SEABREEZE MANOR COURT DAYTONA BEACH, FL 32114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.23% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $121K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $121K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.