| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 9.24% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $12K | $12K | 1.79% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WA 55401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 0.66% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVENUE SOUTH FIFTH FLOOR SAINT PETERSBURG, FL 33701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $1K | $16K | 10.72% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S, STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 19.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S, STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S, STE 500 SAINT PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $165K |
| WALLACE WELCH & WILLINGHAM INC EIN 59-1203168 BROKER | Other commissions Service code 55 | — | $49K |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 277 | $146K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 231 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $72K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $652K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.