| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 5.75% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.17% |
| DAVIS II COMPANIES LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 30.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 8XWT0 | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $478 | $0 | $478 | 4.63% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8BGW0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | $0 | $298 | 2.88% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 4EPR0 | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, CA 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | $0 | $244 | 2.36% |
| GL BENJAMIN INC3 Filed as: GL BENJAMIN INC AGT 0A250 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 2.07% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8HTC0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 1.27% |
| JEANNINE MACKO3 Filed as: JEANNINE MACKO AGT 8N1G | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.61% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | UNITED HEALTHCARE INSURANCE COMPANY | $924 | $0 | $924 | 10.98% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAN AGT 4EPR0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | $0 | $506 | 6.80% |
| GL BENJAMIN INC3 Filed as: GL BENJAMIN INC AGT 0A250 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | $0 | $488 | 6.56% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8HTC0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 1.53% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 8XWT0 | 3OO FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | $0 | $108 | 1.45% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8BGW0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 1.21% |
| JEANNINE MACKO3 Filed as: JEANNINE MACKO AGT 8N1G0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.65% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT 8XWT0 | 300 FIRST AVE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | $0 | $380 | 5.11% |
| GL BENJAMIN INC3 Filed as: GL BENJAMIN INC AGT 0A250 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $285 | $0 | $285 | 3.83% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH WILLINGHAM AGT4EPR0 | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | $0 | $250 | 3.36% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8HTC0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $166 | $0 | $166 | 2.23% |
| MARK MACKO3 Filed as: MARK MACKO AGT 8BGW0 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 1.59% |
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.13% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 93 | $1.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 90 | $54K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 84 | $8K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 14 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $26K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.