| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | HEALTH OPTIONS INC | $18K | — | $18K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 11.68% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | USABLE LIFE | $3K | — | $3K | 13.67% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $664 | — | $664 | 6.53% |
| JEANNINE & MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $528 | — | $528 | 5.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $921 | — | $921 | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $609 | — | $609 | 7.98% |
| JEANNINE & MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 62056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $356 | — | $356 | 4.66% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 4.73% |
| JEANNINE & MARK MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 3.97% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | USABLE LIFE | $843 | — | $843 | 13.76% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $68K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 88 | $9K |
| Life insurance(2 contracts) | USABLE LIFE | 136 | $30K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $10K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $28K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 136 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.