| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BVLD #400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS INC | $84K | $0 | $84K | 7.03% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BVLD #400 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | $0 | $36K | 3.45% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 9.92% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 6.07% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 29.22% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $72 | $17K | 14.77% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR SUITE 150 TAMPA, FL 33607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.86% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.63% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.37% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.59% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.41% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.59% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.41% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $554 | $0 | $554 | 9.26% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | $0 | $343 | 5.73% |
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 | 1,809 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 545 | $364K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 545 | $364K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $64K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $113K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $27K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 227 | $2.3M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.