| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $37K | — | $37K | 2.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 1.65% |
| LAROCCA & ASSOC, INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 0.84% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 2.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 1.62% |
| LAROCCA & ASSOC, INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $660 | — | $660 | 0.67% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES | 3696 N FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $993 | $590 | $2K | 1.64% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $715 | $6K | 12.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $590 | $2K | 4.52% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURGF, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATIF, FL 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $962 | $565 | $2K | 4.09% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $609 | $2K | 5.67% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | EYEMED VISION CARE | $2K | — | $2K | 8.10% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | EYEMED VISION CARE | $822 | — | $822 | 2.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ WEEKES & CALLAWAY | PO BOX 632886 CINCINNATI, FL 45263 | EYEMED VISION CARE | $764 | — | $764 | 2.67% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $999 | — | $999 | 8.11% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $616 | $616 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | — | $569 | 4.62% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $854 | — | $854 | 8.16% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $523 | $523 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | — | $506 | 4.84% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $209 | — | $209 | 2.00% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $97K |
| Vision | EYEMED VISION CARE | 301 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $30K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.5M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.