| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLR ST PETERSBURG, FL 337014200 | BLUE CROSS BLUE SHILED OF FLORDA (HEALTH OPTIONS) | $5K | — | $5K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 | 5310 CLARK RD STE 1 SARASOTA, FL 342333230 | BLUE CROSS BLUE SHIELD OF FLORIDA (HEALTH OPTIONS) | $5K | — | $5K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLR ST PETERSBURG, FL 337014200 | BLUE CROSS BLUE SHIELD OF FLORIDA (BLUE OPTIONS) | $5K | — | $5K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 | 5310 CLARK RD STE 1 SARASOTA, FL 342333230 | BLUE CROSS BLUE SHIELD OF FLORIDA (BLUE OPTIONS) | $4K | — | $4K | 5.00% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | 101 STARCREST DR CLEARWATER, FL 33765 | GUARDIAN LIFE INURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.43% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FL ST PETERSBURG, FL 337014200 | GUARDIAN LIFE INURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.48% |
| NATIONAL BENEFIT CENTER5 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET ST STE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INURANCE COMPANY OF AMERICA | $170 | — | $170 | 0.47% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHILED OF FLORDA (HEALTH OPTIONS) | 41 | $394K |
| Dental | GUARDIAN LIFE INURANCE COMPANY OF AMERICA | 94 | $36K |
| Vision | GUARDIAN LIFE INURANCE COMPANY OF AMERICA | 94 | $36K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHILED OF FLORDA (HEALTH OPTIONS) | 41 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.