| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS. | 2965 ALT 19 PALM HARBOR, FL 34683 | ARCH INSURANCE COMPANY | $43K | — | $43K | 7.45% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 1ST AVENUE SOUTH 5TH FLOOR ST. PETERSBURG, FL 33701 | ARCH INSURANCE COMPANY | $20K | — | $20K | 3.37% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 8.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 1ST AVENUE SOUTH 5TH FLOOR ST. PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 4.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS. | 2965 ALT 19 PALM HARBOR, FL 34683 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 7.21% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 1ST AVENUE S SUITE 500, 5TH FLOOR ST. PETERSBURG, FL 33701 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 59.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.05% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $435K |
| Vision | UNION SECURITY INSURANCE COMPANY | 296 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $435K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $435K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $435K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 287 | $580K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
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.