| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD #400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS INC | $125K | $0 | $125K | 5.81% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BLVD 400 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $61K | $0 | $61K | 4.13% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 10.05% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 5.78% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 25.66% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $982 | $12K | 13.74% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 3030 N ROCKY POINT DR SUITE 150 TAMPA, FL 33607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$153 | $0 | -$153 | -0.17% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| DECISION ADMINISTRATIVE SERVICES3 | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $734 | $0 | $734 | 10.01% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $367 | $0 | $367 | 5.00% |
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 | 1,752 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 570 | $421K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 570 | $421K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $65K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $88K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $28K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.