| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $38K | $0 | $38K | 2.75% |
| WWW INSURANCE, LLC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 5.79% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.49% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.55% |
| WWW INSURANCE, LLC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.98% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $594 | $594 | 1.10% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM, INC | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $2K | $0 | $2K | 6.88% |
| WWW INSURANCE, LLC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $2K | $0 | $2K | 6.76% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.46% |
| GL BENJAMIN INC3 Filed as: GL BENJAMIN, INC. | 5837 RAVENWOOD DRIVE SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $930 | $0 | $930 | 5.25% |
| MACKO MARK3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | $0 | $538 | 3.04% |
| MACKO MARK3 Filed as: MACKO JEANNINE | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.41% |
| JOY L CRENSHAW3 Filed as: JOY L.. CRENSHAW | 19170 WESTBROOK DRIVE BOCA RATON, FL 33434 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $669 | $0 | $669 | 6.68% |
| WWW INSURANCE, LLC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $332 | $0 | $332 | 3.32% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $73K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $10K |
| Life insurance | USABLE LIFE | 160 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $1.4M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 160 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.