| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 7.55% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.27% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.74% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | 300 1ST AVENUE SOUTH, SUITE 500 ST PETERSBURG, FL 33733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 6.00% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 NORTH 19TH STREET, SUITE 150 TAMPA, FL 33605 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 3.35% |
| WWW INSURANCE, LLC3 Filed as: WWW INSURANCE LLC | 300 FIRST AVENUE SOUTH, SUITE 500 ST PETERSBURG, FL 33701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $418 | $0 | $418 | 0.51% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $82K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $82K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $109K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $109K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $109K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.