| 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 | HEALTH OPTIONS | $32K | — | $32K | 4.00% |
| 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 | $9K | — | $9K | 4.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33733 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.97% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.48% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.29% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.35% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 1.54% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S SAINT PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 13.09% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33733 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.04% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | — | $239 | 1.60% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE, WELCH & WILLINGHAM | 300 1ST AVE S 5TH FL ST PETERSBURG, FL 33701 | COMPBENEFITS COMPANY | $396 | — | $396 | 4.59% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 224 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 113 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 113 | $63K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 68 | $75K |
| Prescription drug | HEALTH OPTIONS | 224 | $793K |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 209 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.