| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELSH & WILLINGHAM INC | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $13K | $45K | 10.17% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENTS | 300 FIRST AVE S FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 25.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHEMENTS | 300 FIRST AVENUE S FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 28.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WA 544021087 | $347K |
| WALLACE WELCH WILLINGHAM EIN 59-1203168 CLAIMS PROCESSING | Other commissions Service code 55 | 300 FIRST ST S FIFTH FLOOR ST PETERSBURG, FL 33701 | $142K |
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 | 926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 903 | $440K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 903 | $440K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 903 | $461K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURNACE COMPANY | 903 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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."
No prospect flags tripped on this filing.