| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | — | $36K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 10.81% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $336 | $0 | $336 | 0.83% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | HEALTH OPTIONS, INC. | $1K | $0 | $1K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.23% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $373 | $373 | 1.50% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $999 | $4K | 19.64% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $323 | $323 | 1.50% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $2K | $1 | $2K | 13.97% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF FL | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $238 | $0 | $238 | 1.42% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $574 | $193 | $767 | 20.05% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $57 | $57 | 1.49% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH, 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $571 | — | $571 | 15.09% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | FLORIDA COMBINED LIFE | $328 | $0 | $328 | 10.32% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $25 | $0 | $25 | 0.79% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVENUE SOUTH 5TH FLOOR SAINT PETERSBURG, FL 33701 | USABLE LIFE | $168 | $0 | $168 | 15.38% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 88 | $741K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 75 | $43K |
| Vision | HUMANA INSURANCE COMPANY | 79 | $11K |
| Life insurance(2 contracts) | USABLE LIFE | 130 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 88 | $741K |
| Other(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 130 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.