| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.18% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 1.15% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $9K | $26K | 7.41% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.02% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $8K | $24K | 7.34% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.37% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.40% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.01% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.44% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.95% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $32K | $0 | $32K | 38.82% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVENUE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $494 | $0 | $494 | 0.60% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $2K | $0 | $2K | 20.13% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $651 | $0 | $651 | 6.18% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $2K | $0 | $2K | 24.61% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $233 | $0 | $233 | 3.36% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $2K | $0 | $2K | 30.21% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $172 | $0 | $172 | 3.41% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $2K | $0 | $2K | 38.18% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $161 | $0 | $161 | 3.23% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $1K | $0 | $1K | 22.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WLLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $158 | $0 | $158 | 3.58% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $1K | $0 | $1K | 24.57% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $142 | $0 | $142 | 3.42% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $902 | $0 | $902 | 29.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $85 | $0 | $85 | 2.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $741 | $0 | $741 | 26.02% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $28 | $0 | $28 | 0.98% |
| SHAWN FERGUSON3 | 7822 110TH AVE E PARRISH, FL 34219 | ALLSTATE BENEFITS | $15 | $0 | $15 | 0.53% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $610 | $0 | $610 | 24.32% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $38 | $0 | $38 | 1.52% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $837 | $0 | $837 | 38.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $67 | $0 | $67 | 3.08% |
| ACRISURE LLC3 Filed as: ACRISURE,LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $535 | $0 | $535 | 27.61% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $3 | $0 | $3 | 0.15% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $276 | $0 | $276 | 14.55% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE | $273 | $0 | $273 | 18.97% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE INSURANCE | $84 | $0 | $84 | 5.84% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $288 | $0 | $288 | 21.40% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $72 | $0 | $72 | 5.35% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $213 | $0 | $213 | 18.67% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $68 | $0 | $68 | 5.96% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $453 | $0 | $453 | 45.03% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $500 | $0 | $500 | 70.03% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $262 | $0 | $262 | 40.56% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 34683 | ALLSTATE BENEFITS | $31 | $0 | $31 | 4.80% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $69 | $0 | $69 | 11.58% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $34 | $0 | $34 | 5.70% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $137 | $0 | $137 | 23.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $6 | $0 | $6 | 1.03% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $169 | $0 | $169 | 31.89% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $189 | $0 | $189 | 40.65% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | ALLSTATE BENEFITS | $9 | $0 | $9 | 1.94% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $156 | $0 | $156 | 34.14% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $119 | $0 | $119 | 28.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $149 | $0 | $149 | 41.62% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $112 | $0 | $112 | 36.01% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $80 | $0 | $80 | 50.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $44 | $0 | $44 | 28.57% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $101 | $0 | $101 | 69.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.1M |
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 | 3,715 | 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) | 3,715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(30 contracts, 3 carriers) | ALLSTATE BENEFITS | 432 | $144K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2,982 | $894K |
| Vision | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | 2,237 | $148K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,715 | $222K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,061 | $353K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,188 | $324K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,982 | $2.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,715 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,715 | — |
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.