| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $16 | $3K | 10.06% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $788 | — | $788 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 300 1ST AVE S STE 500 SAINT PETERSBURG, FL 33701 | $26K |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 136 | $507K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 65 | $25K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 58 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $24K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.