| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $3K | $39K | 12.05% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 3.86% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.61% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $12K | 12.84% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $176 | — | $176 | 0.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $11K | 13.12% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 0.10% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.45% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.19% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $256 | $2K | 7.60% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $707 | — | $707 | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $224 | — | $224 | 0.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH AND WILLINGHAM | PO BOX 33020 ST. PETERSBURG, FL 33733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $514 | $2K | 14.12% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $663 | — | $663 | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $322K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 643 | $155K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 643 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 644 | $86K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 643 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.