| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $25K | — | $25K | 15.00% |
| CRAWFORD, LINDSEY3 | 4800 DEERWOOD CAMPUS PRKWY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $286 | — | $286 | 0.17% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR CLEARWATER, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.51% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BLVD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.44% |
| VICTOR DIAZ3 | 10422 NIGHTENGALE DR RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.63% |
| ROBERT BURR3 | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| SARA BENJAMIN3 | 3118 GULF TO BAY STE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $17K | — | $17K | 31.10% |
| CRAWFORD, LINDSEY3 | 4800 DEERWOOD CAMPUS PRKWY #DC 2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $100 | — | $100 | 0.19% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| GREG L BENJAMIN3 Filed as: GREG BENJAMIN | 3118 GULF TO BAY BLVD SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.60% |
| VICTOR DIAZ3 | 10422 NIGHTENGALE DR RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| ROBERT BURR3 | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $927 | — | $927 | 1.74% |
| SARA BENJAMIN3 | 3118 GULF TO BAY STE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 1.73% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 15.52% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM, INC. | 300 1ST AVE S 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $3K | — | $3K | 14.95% |
| CRAWFORD, LINDSEY3 | 4800 DEERWOOD CAMPUS PKWY JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $65 | — | $65 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF FLORIDA EIN 59-2015694 CLAIMS PROCESSING | Claims processing Service code 12 | — | $360K |
| WALLACE, WELCH & WILLINGHAM, INC. INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 300 1ST AVENUE 5TH FLOOR SAINT PETERSBURG, FL 33701 | $162K |
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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE | 613 | $54K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 837 | $42K |
| Life insurance | FLORIDA COMBINED LIFE | 3 | $170K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 421 | $154K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 264 | $83K |
| Other(4 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 329 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.