| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | ALL SAVERS INSURANCE COMPANY | $32K | — | $32K | 14.24% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | ALL SAVERS INSURANCE COMPANY | $23K | — | $23K | 15.70% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS | 3401 W CYPRESS ST TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $660 | — | $660 | 0.91% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 6.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $116 | — | $116 | 0.26% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS | 3401 W CYPRESS ST TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $126 | — | $126 | 0.47% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 W CYPRESS ST TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 19.69% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.82% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | — | $876 | 3.59% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS, LLC | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $368 | $3K | 14.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $843 | $274 | $1K | 6.63% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $376 | — | $376 | 2.23% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS, LLC | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $243 | $2K | 14.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $816 | $182 | $998 | 6.11% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $387 | — | $387 | 2.37% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS, LLC | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $126 | $2K | 18.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $490 | $84 | $574 | 5.86% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $283 | — | $283 | 2.89% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFITS SOLUTIONS, LLC | 3401 WEST CYPRESS STREET SUITE 203 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $110 | $2K | 17.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $469 | $73 | $542 | 5.78% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $310 | — | $310 | 3.30% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 | 3401 W CYPRESS ST TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $543 | — | $543 | 7.50% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $361 | $361 | 4.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $162 | $162 | 2.24% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105 | — | $105 | 1.45% |
| PROVIDENCE BENEFITS SOLUTIONS LLC3 Filed as: PROVIDENCE BENEFIT SOLUTIONS, LLC | 3401 W CYPRESS STREET SUITE 203 TAMPA, FL 33607 | RELIANCE STANDARD | $796 | $91 | $887 | 14.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $310 | $67 | $377 | 6.08% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD | $134 | — | $134 | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE EIN 41-1289245 CLAIMS PROCESSING | Claims processing; Insurance brokerage commissions and fees; Insurance services Service code 12 | — | $22K |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 3 | $73K |
| Dental(3 contracts) | HUMANA INSURANCE COMPANY | 62 | $145K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 62 | $72K |
| Life insurance(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 166 | $104K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 51 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts) | ALL SAVERS INSURANCE COMPANY | 56 | $375K |
| Other(9 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 166 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.