| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST PETERSBURG, FL 337010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $408 | $39K | $39K | 3.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 SAINT PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $16 | $12K | 11.38% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 337014200 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | -$147 | $6K | 9.67% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | P. O. BOX 33020 SAINT PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 16.61% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $16 | $524 | 17.26% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $64K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $107K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $107K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 424 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.