| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | $0 | $43K | 5.01% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | HEALTH OPTIONS | $15K | $0 | $15K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 11.65% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| WALLACE WELCH & WILLINGHAM INC Filed as: WALLAS WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | USABLE LIFE | $3K | $0 | $3K | 16.78% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 8XWT0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | $483 | $0 | $483 | 4.88% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8BGW0 | 1616 CALE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | $322 | $0 | $322 | 3.25% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 4EPR0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | $170 | $0 | $170 | 1.72% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8HTC0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | $131 | $0 | $131 | 1.32% |
| JEANNINE MACKO3 Filed as: JEANNINE MACKO AGT 8N1G0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | $64 | $0 | $64 | 0.65% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 1ST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAN AGT 8XWT0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT POLICY | $349 | $0 | $349 | 4.99% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 4EPR0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT POLICY | $210 | — | $210 | 3.00% |
| MARK MACKO3 Filed as: MARK MACKO AGENT 8HTCO | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT POLICY | $181 | $0 | $181 | 2.59% |
| MARK MACKO3 Filed as: MARK MACKO AGENT#8BGW0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT POLICY | $136 | $0 | $136 | 1.95% |
| JEANNINE MACKO3 Filed as: JEANNINE MACKO AGENT #8N1G0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - ACCIDENT POLICY | $9 | $0 | $9 | 0.13% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | USABLE LIFE | $883 | $0 | $883 | 15.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $71 | $0 | $71 | 1.22% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 4EPR0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER POLICY | $165 | $0 | $165 | 2.98% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8HTC0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER POLICY | $105 | $0 | $105 | 1.90% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 8XWT0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER POLICY | $102 | $0 | $102 | 1.84% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8BGW0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER POLICY | $85 | $0 | $85 | 1.53% |
| JEANNINE MACKO3 Filed as: JEANNINE MACKO AGT 8N1G0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER POLICY | $43 | $0 | $43 | 0.78% |
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. |
| 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $65K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 92 | $14K |
| Life insurance(2 contracts) | USABLE LIFE | 130 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $25K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY - HOSPITAL INDEMNITY POLICY | 25 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.