| 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 | $387K | — | $387K | 4.02% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 4348 SOUTHPOINT BLVD. #400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS, INC. | $293K | — | $293K | 5.50% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $169K | — | $169K | 15.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $5K | $60K | 5.37% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73K | $2K | $75K | 9.87% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73K | — | $73K | 9.55% |
| JACK RICE INSURANCE LLC3 | 9455 KOGER BLVD N #100 ST PETERSBURG, FL 33702 | HUMANA INSURANCE COMPANY | $29K | — | $29K | 8.56% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: PROSPECTIVE RISK MANAGEMENT CORP | 4348 SOUTHPOINT BLVD JACKSONVILLE, FL 32216 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 1.22% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 0.99% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINISTRATIVE SERVICE | 11101 ROOSEVELT BLVD N ST. PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 31.18% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH 5TH FLOOR ST PETERSBURG, FL 33716 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $733 | $36K | 15.67% |
| DECISION ADMINISTRATIVE SERVICES3 Filed as: DECISION ADMINSITRATIVE SVCS INC | 11101 ROOSEVELT BLVD N ST PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 5.30% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SRVCS | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 2.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE, STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 1.08% |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 938 | $15.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,776 | $1.5M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,776 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $760K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $760K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $760K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 635 | $15.0M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $992K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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.