| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS, INC | 7416 MONIKA MANOR DR TAMPA, FL 33625 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 12.66% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC | 300 FIRST AVE S. SUITE 500 SAINT PETERSBURG, FL 33701 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 2.37% |
| C G ELIAS & CO3 Filed as: C G ELIAS & COMPANY | 2555 ENTERPRISE ROAD 11-3 CLEARWATER, FL 33763 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $1K | — | $1K | 10.97% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC. | $101 | — | $101 | 0.99% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 204 | $147K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 204 | $147K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.