| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | HUMANA MEDICAL PLAN, INC. | $35K | — | $35K | 4.00% |
| WALLACE WELCH & WILLINGHAM INC3 | P. O. BOX 33020 SAINT PETERSBURG, FL 33733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.82% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $561 | $7K | 27.30% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $661 | $2K | 8.15% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $377 | $2K | 17.14% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INC. | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | ADVANTICA INSURANCE COMPANY | $450 | — | $450 | 9.05% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SUITE 500 SAINT PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $193 | — | $193 | 12.02% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 128 | $869K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 111 | $50K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 98 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.