| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | $0 | $23K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | HEALTH OPTIONS | $17K | $0 | $17K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.79% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFTIS, LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $531 | $0 | $531 | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $521 | $0 | $521 | 1.17% |
| UNKNOWN3 | UNKNOWN TAMPA, FL 33619 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $110 | $110 | 0.25% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, FIFTH FLOOR SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | -$807 | $0 | -$807 | -1.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.75% |
| WATCHTOWER TECHNOLOGIES INC5 Filed as: WATCHTOWER BENEFTIS, LLC | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $285 | $285 | 1.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2255 GLADES ROAD, SUITE 240W BOCA RATON, FL 33431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.27% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC. | 300 FIRST AVENUE SOUTH, FIFTH FLOOR SAINT PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.71% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $671K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $44K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 305 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $671K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.