| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | HEALTH OPTIONS | $42K | — | $42K | 3.70% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | HEALTH OPTIONS | $15K | — | $15K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 3.67% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.25% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $963 | $963 | 1.50% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | USABLE LIFE | $6K | — | $6K | 15.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.91% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S FL 5 ST PETERBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $480 | $480 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.83% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $638 | $2K | 10.02% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR SUITE 550 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.07% |
| DAVIS II COMPANIES LLC3 Filed as: DAVIS II COMPANIES INC | 5426 BAY CENTER DR TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $826 | $3K | 14.78% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $875 | — | $875 | 3.91% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $335 | $335 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | $494 | $988 | 7.52% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 SAINT PETERBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $325 | $163 | $488 | 3.72% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, STE 300 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $197 | $197 | 1.50% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $1.8M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $87K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $36K |
| Life insurance | USABLE LIFE | 273 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $1.8M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 273 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.