| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S. 5TH FLOOR ST. PETERSBURG, FL 33701 | HEALTH OPTIONS | $76K | — | $76K | 4.79% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S. 5TH FLOOR ST. PETERSBURG, FL 98167 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S. 5TH FLOOR ST. PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $7K | — | $7K | 8.24% |
| FLORIDA BLUE3 Filed as: CRAWFORD, LINDSEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $128 | — | $128 | 0.16% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE. S., 5TH FLOOR ST. PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.82% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S. 5TH FLOOR ST. PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $1K | — | $1K | 11.97% |
| FLORIDA BLUE3 Filed as: CRAWFORD, LINDSEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $47 | — | $47 | 0.46% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S, 5TH FLOOR ST PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $886 | — | $886 | 10.08% |
| FLORIDA BLUE3 Filed as: CRAWFORD, LINDSEY - FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $34 | — | $34 | 0.39% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 143 | $88K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 230 | $16K |
| Life insurance | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 258 | $10K |
| Short-term disability | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | 258 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 193 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.