| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 N PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.00% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $5K | $28K | 14.00% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $4K | $25K | 14.34% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 14.53% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.67% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $6K | $0 | $6K | 13.89% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $16K | $0 | $16K | 37.74% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVENUE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $1K | $0 | $1K | 2.76% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $606 | $4K | 13.92% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $1K | $0 | $1K | 11.70% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $819 | $0 | $819 | 8.77% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $1K | $0 | $1K | 15.78% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $543 | $0 | $543 | 7.21% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $697 | $0 | $697 | 13.87% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WLLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $460 | $0 | $460 | 9.16% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $703 | $0 | $703 | 16.74% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $418 | $0 | $418 | 9.95% |
| AON CONSULTING INC3 Filed as: ALLSTATE INSURANCE | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $786 | $0 | $786 | 20.08% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $261 | $0 | $261 | 6.67% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $752 | $0 | $752 | 21.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $240 | $0 | $240 | 6.76% |
| A-1 BENEFIT CONSULTANTS INC3 Filed as: A-1 BENEFIT CONSULTANTS | 3829 COCONUT PALM DRIVE TAMPA, FL 33602 | ALLSTATE BENEFITS | $31 | $0 | $31 | 0.87% |
| JEANNETTE CIOFFI3 | 11328 CALLAWAY POND DRIVE RIVERVIEW, FL 33579 | ALLSTATE BENEFITS | $10 | $0 | $10 | 0.28% |
| GORDON E. HANNAWAY3 Filed as: GORDON E HANNAWAY | 6002 SOARING AVE TAMPA, FL 33617 | ALLSTATE BENEFITS | $6 | $0 | $6 | 0.17% |
| PAUL AQUILINO3 | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | ALLSTATE BENEFITS | $5 | $0 | $5 | 0.14% |
| AON CONSULTING INC3 Filed as: ALLSTATE INSURANCE | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $542 | $0 | $542 | 19.12% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $217 | $0 | $217 | 7.66% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $418 | $0 | $418 | 17.77% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $180 | $0 | $180 | 7.65% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $323 | $0 | $323 | 13.87% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $35 | $0 | $35 | 1.50% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $369 | $0 | $369 | 16.62% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $42 | $0 | $42 | 1.89% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $315 | $0 | $315 | 14.54% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $113 | $0 | $113 | 5.21% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE INSURANCE | $229 | $0 | $229 | 11.20% |
| AON CONSULTING INC3 Filed as: ALLSTATE INSURANCE | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE | $145 | $0 | $145 | 7.09% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $207 | $0 | $207 | 15.37% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $177 | $0 | $177 | 13.14% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $158 | $0 | $158 | 12.47% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $154 | $0 | $154 | 12.15% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $144 | $0 | $144 | 13.48% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $129 | $0 | $129 | 12.08% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $79 | $0 | $79 | 12.56% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $41 | $0 | $41 | 6.52% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $52 | $0 | $52 | 10.14% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $38 | $0 | $38 | 7.41% |
| AON CONSULTING INC3 Filed as: ALLSTATE INSURANCE | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $152 | $0 | $152 | 34.86% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $71 | $0 | $71 | 19.56% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $13 | $0 | $13 | 3.58% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $148 | $0 | $148 | 45.40% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $71 | $0 | $71 | 32.57% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $45 | $0 | $45 | 30.20% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $13 | $0 | $13 | 8.72% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $27 | $0 | $27 | 23.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.1M |
| ALLTRUST INSURANCE EIN 59-3536226 BROKER | Other commissions Service code 55 | 2965 ALT 19 N PALM HARBOR, FL 34683 | $0 |
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 | 2,277 | 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) | 2,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(25 contracts, 2 carriers) | ALLSTATE BENEFITS | 273 | $143K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,581 | $587K |
| Vision | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | 1,754 | $63K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,277 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 693 | $200K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 754 | $177K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,282 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,277 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,282 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.