| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVENUE SOUTH SUITE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86K | $26K | $112K | 19.59% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.50% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.94% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DRIVE SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.78% |
| DIAZ VICTOR G3 Filed as: DIAZ VICTOR | 12518 EVINGTON POINT DRIVE RIVERVIEW, FL 33579 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.19% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 1277 MISSION CIRCLE CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | $0 | $117 | 0.07% |
| BURR ROBERT3 | 3100 MISSION GROVE DRIVE PALM HARBOR, FL 34684 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | $0 | $117 | 0.07% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $574K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $574K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $574K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 481 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.