| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 4.17% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $100 | $100 | 0.22% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLNGHAM INC | P.O. BOX 33020 ST. PETERSBURG, FL 337330820 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73 | $73 | 0.21% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.80% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | — | $109 | $109 | 0.41% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 337338020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $39 | $39 | 0.20% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | $2K | — | $2K | 9.83% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | — | $235 | $235 | 1.33% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST. PETERSBURG, FL 33701 | ADVANTICA REINSURANCE COMPANY | $984 | — | $984 | 12.00% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | — | $731 | 12.64% |
| VLDCO ENTERPRISE LLC3 | 136 33RD AVE NORTH ST. PETERSBURG, FL 33704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $612 | — | $612 | 10.58% |
| WALLACE WELCH & WILLINGHAM INC3 | P.O. BOX 33020 ST. PETERSBURG, FL 33733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | — | $472 | 8.16% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 7.13% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $307 | $307 | 5.31% |
| VONDA DANELLE GOLUB3 | 3330 OVERLOOK DR NE ST. PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 4.00% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $132 | $132 | 2.28% |
| PATMAR GROUP INC3 | 13214 88TH PL N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 1.33% |
| DONALD R JAWORSKI3 | 20819 ORCHARDTOWN DRIVE LAND O LAKES, FL 34638 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 1.02% |
| VONDA DANELLE GOLUB3 | 3330 OVERLOOK DR NE ST. PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $22 | $22 | 0.38% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.36% |
| PATMAR GROUP INC3 | 13214 88TH PL N SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $5 | $5 | 0.09% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.05% |
| DONALD R JAWORSKI3 | 20819 ORCHARDTOWN DRIVE LAND O LAKES, FL 34638 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.02% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 80 | $44K |
| Vision | ADVANTICA REINSURANCE COMPANY | 129 | $8K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $35K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.