| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 91 LAKE MORTON DRIVE LAKELAND, FL 338015346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | — | $71K | 10.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCS INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 337161201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 4.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $907K |
| UNITED OF OMAHA LIFE INSURANCE CO EIN 47-0322111 STD ASO ADMIN | Other commissions; Claims processing; Contract Administrator Service code 12 | — | $48K |
| PAYFLEX EIN 91-1774434 COBRA ADMIN | Claims processing; Contract Administrator Service code 12 | 10802 FARMAN DR STE 100 OMAHA, NE 68154 | $24K |
| MORNEAU SHEPELL BDA LTD EIN 52-1883918 EAP ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 12 | — | $20K |
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 | 2,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,386 | $422K |
| Vision | VISION SERVICE PLAN | 1,425 | $233K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,049 | $709K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,049 | $709K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,386 | $422K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,049 | $709K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,386 | — |
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."
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.