| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 29492 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $104K | $104K | 4.90% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $7K | $44K | 16.31% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR SUITE 150 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHARLES NECHTEM ASSOCIATES EIN 13-3242036 OTHER SERVICES | Other services Service code 49 | — | $5K |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.