| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 8.29% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 SAINT PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $20 | $3K | 0.70% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 25.08% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | P. O. BOX 33020 SAINT PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | $20 | -$1K | -3.39% |
| BKH HOLDINGS INC3 | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 22.81% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 337338020 | METROPOLITAN LIFE INSURANCE COMPANY | $367 | $20 | $387 | 2.05% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $811 | — | $811 | 7.85% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BERKLEY LIFE | 234 | $358K |
| Dental | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | 57 | $10K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $387K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $387K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $387K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $387K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.