| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 4.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.17% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HEALTH OPTIONS | $2K | — | $2K | 4.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $3K | $599 | $3K | 7.72% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.68% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | $404 | $220 | $624 | 9.42% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 7 | $49K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 80 | $51K |
| Vision | HUMANA INSURANCE COMPANY | 80 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $54K |
| Prescription drug | HEALTH OPTIONS | 7 | $49K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 156 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.