| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.26% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.22% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S STE 500 ST PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.27% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.60% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.21% |
| RANDALL DAVID BRISTOWE3 | 11234 SAN JOSE BLVD. SUITE 7 JACKSONVILLE, FL 32223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.17% |
| SHAWN I. STUBBS3 | 11234 SAN JOSE BLVD. SUITE 7 JACKSONVILLE, FL 32223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.02% |
| BRISTOWE, RANDALL DAVID3 Filed as: BRISTOWE, RANDALL, DAVID | 11234 SAN JOSE BLVD SUITE 7 JACKSONVILLE, FL 32223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.64% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $529 | — | $529 | 1.39% |
| STUBBS SHAWN I3 Filed as: STUBBS, SHAWN, I | 11234 SAN JOSE BLVD SUITE 7 JACKSONVILLE, FL 32223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $444 | — | $444 | 1.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29695 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.39% |
| KLIMA, RICHARD, DOUGLAS3 | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.21% |
| WEISHAUPT HEIDI S3 Filed as: WEISHAUPT, HEIDI, SUSANNE | 4520 29TH AVENUE CIRCLE EAST PALMETTO, FL 34221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
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 | 562 | 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) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,062 | $7.4M |
| Dental | AETNA LIFE INSURANCE CO. | 1,062 | $7.4M |
| Vision | AETNA LIFE INSURANCE CO. | 1,062 | $7.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 530 | $122K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 562 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.