| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $240K | — | $240K | 4.17% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD. #400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS, INC. | $192K | — | $192K | 5.26% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $125K | — | $125K | 10.05% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $9K | $71K | 5.68% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.46% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.46% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 27.56% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 14.26% |
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 | 1,672 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 410 | $9.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,672 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,672 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,616 | $424K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,616 | $424K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,616 | $424K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 410 | $9.4M |
| Other(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,672 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,672 | — |
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.