| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 330202 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $269 | $13K | 7.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.82% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.71% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $135 | $4K | 10.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $158 | $4K | 11.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.36% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $151 | $4K | 11.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.18% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $71 | $3K | 11.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $915 | — | $915 | 4.10% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $293 | $3K | 12.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4880 NEWBERRY RD STE 100 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $827 | — | $827 | 3.86% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | $174 | $914 | 13.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 4880 NEWBERRY RD STE 100 CHARLOTTE, NC 28290 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $267 | — | $267 | 3.98% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $172K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 480 | $43K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $40K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.