| 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 | HEALTH OPTIONS INC | $20K | — | $20K | 3.38% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 4.35% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.51% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $822 | $2K | $3K | 4.43% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $3K | $26 | $3K | 13.45% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $358 | — | $358 | 1.54% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $726 | — | $726 | 8.35% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $131 | $388 | $519 | 5.97% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 19.99% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $917 | — | $917 | 13.91% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $6 | — | $6 | 0.09% |
| WALLACE WELCH & WILLINGHAM INC Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE | $858 | — | $858 | 19.96% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE | $750 | — | $750 | 20.01% |
| 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 | $384 | — | $384 | 11.82% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $236 | $3 | $239 | 13.59% |
| WWW INSURANCE, LLC Filed as: WWW INSURANCE LLC | 300 1ST AVE S., 5TH FLOOR ST. PETERSBURG, FL 33701 | USABLE LIFE | $1 | — | $1 | 0.06% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 74 | $893K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $74K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 120 | $299K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $100K |
| Short-term disability(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 100 | $24K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $77K |
| Prescription drug | HEALTH OPTIONS INC | 74 | $603K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.