| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN BERGSTROM3 | 300 1ST AVE S FL 5 ST. PETERSBURG, FL 33701 | ALL SAVERS INSURANCE COMPANY | $41K | — | $41K | 15.73% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 10.02% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.16% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 1ST AVE SOUTH 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $604 | — | $604 | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 16.68% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $266 | $106 | $372 | 5.72% |
| BOOM CHAPMAN BENEFIT ADMNISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $267 | $267 | 4.11% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | 300 1ST AVE S 5TH FLOOR ST. PETERSBURG, FL 33701 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | — | $741 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $247 | — | $247 | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $788 | $16 | $804 | 17.14% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $197 | $79 | $276 | 5.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $197 | $197 | 4.20% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH, & WILLINGHAM INC | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $677 | $16 | $693 | 17.14% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $169 | $68 | $237 | 5.86% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $169 | $169 | 4.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVCIES, INC. EIN 41-1289245 CLAIMS PROCESSING | Claims processing Service code 12 | — | $75K |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $77K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $5K |
| Other(5 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 162 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.