| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 5.00% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE, LLC. | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | HEALTH OPTIONS, INC. | $8K | $0 | $8K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 6.42% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE, LLC. | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $1K | $0 | $1K | 4.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM | 300 1ST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $2K | $0 | $2K | 8.58% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE, LLC. | 300 1ST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $173 | $0 | $173 | 0.88% |
| WWW INSURANCE, LLC3 | 300 1ST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $52 | $0 | $52 | 0.26% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $229 | $0 | $229 | 5.75% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE, LLC. | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $76 | $0 | $76 | 1.91% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH AND WILLINGHAM | PO BOX 33020 SAINT PETERSBURG, FL 33733 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.88% |
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 | 131 | 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) | 131 | 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 | 123 | $454K |
| Dental | FLORIDA COMBINED LIFE | 70 | $33K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 77 | $4K |
| Life insurance | USABLE LIFE | 131 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $454K |
| Other | USABLE LIFE | 131 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.