| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD # 400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS INC | $151K | $0 | $151K | 4.49% |
| COMPASS CONSULTING GROUP, INC. 43483 Filed as: COMPASS CONSULTING GROPU LLC | 4348 SOUTHPOINT BLVD # 400 JACKSONVILLE, FL 32216 | BLUE CROSS BLUE SHIELD OF FLORIDA | $115K | $0 | $115K | 3.51% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD SUITE 400 JACKSONVILLE, FL 32216 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $57K | $0 | $57K | 4.93% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD SUTIE 400 JACKSONVILLE, FL 32216 | ANTHEM HEALTH PLANS, INC | $9K | $0 | $9K | 1.15% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVIC | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 10.05% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $4K | $33K | 5.64% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVIC | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 23.76% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $872 | $13K | 12.57% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N TAMPA, 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 PETERSBURB, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 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 Filed as: DECISION ADMINISTRATIVE SVCS | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | $0 | $559 | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 33733 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $280 | $0 | $280 | 5.01% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 1,093 | $2.6M |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 379 | $2.0M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $67K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $100K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $35K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 401 | $6.6M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.