| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 14.82% |
| HARRISON-DAVIS INC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.10% |
| DAVIS II COMPANIES LLC3 Filed as: DAVIS II COMPANIES | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.05% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $4K | — | $4K | 18.78% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 4800 DEERWOOD JACKSONVILLE, FL 32246 | USABLE LIFE | $202 | — | $202 | 1.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 12.02% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $1K | — | $1K | 18.76% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 4800 DEERWOOD JACKSONVILLE, FL 32246 | USABLE LIFE | $58 | — | $58 | 1.01% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $287 | — | $287 | 18.87% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD | 4800 DEERWOOD JACKSONVILLE, FL 32246 | USABLE LIFE | $15 | — | $15 | 0.99% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | UNITED HEALTHCARE INSURANCE COMPANY | $758 | $69K | $70K | — |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $50K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $0 |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $87K |
| Short-term disability(2 contracts) | USABLE LIFE | 93 | $7K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $67K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.