| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 N. HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | UNUM GROUP | $42K | — | $42K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 337014200 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 10.88% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 ST PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 15.48% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 ST PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 21.69% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.14% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.52% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 337014200 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $282K |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 285 | $149K |
| Vision | HUMANA INSURANCE COMPANY | 285 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $46K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 275 | $843K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.