| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC | 300 FIRST AVENUE SOUTH SAINT PETERSBURG, FL 33701 | AETNA HEALTH INC | $0 | $2K | $2K | 0.12% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC | 300 1ST AVENUE SOUTH SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 18.53% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM, INC | 300 1ST AVENUE SOUTH SAINT PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 9.53% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $394 | $394 | 1.45% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE, LLC. | 300 1ST AVENUE SOUTH SAINT PETERSBURG, FL 33701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $250 | — | $250 | 0.92% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH INC | 143 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 59 | $27K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $28K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.