| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST STREET AVENUE SOUTH, 5TH FL ST PETERSBURG, FL 33701 | HEALTH OPTIONS | $95K | $0 | $95K | 4.59% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST STREET AVENUE SOUTH, 5TH FL ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | $0 | $9K | 4.59% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST STREET AVENUE SOUTH, 5TH FL ST PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $9K | $0 | $9K | 10.87% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $130 | $0 | $130 | 0.16% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST STREET AVENUE SOUTH, 5TH FL ST PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.96% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST STREET AVENUE SOUTH, 5TH FL ST PETERSBURG, FL 33701 | USABLE LIFE | $1K | $0 | $1K | 12.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD OF FLORIDA | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $104 | $0 | $104 | 0.94% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 184 | $2.3M |
| Dental | FLORIDA COMBINED LIFE | 150 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $16K |
| Life insurance | USABLE LIFE | 266 | $11K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 184 | $2.3M |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 266 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.