| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | HEALTH OPTIONS | $54K | — | $54K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | — | $7K | $7K | 10.09% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $610 | $2K | 15.32% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR, SUITE 500 TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $0 | $934 | $934 | 11.18% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $0 | $568 | $568 | 7.83% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 208 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 155 | $1.2M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 57 | $78K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $11K |
| Life insurance | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 208 | $8K |
| Short-term disability | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 208 | $8K |
| Prescription drug | HEALTH OPTIONS | 155 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.