| 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 | $73K | — | $73K | 6.92% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $19K | $19K | 1.81% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCS INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 337161201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.96% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $164 | $34K | 21.83% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INSURANCE INC | 110 CARILLON PKWY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $175 | $28K | 24.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $880K |
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 | 2,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $270K |
| Vision | VISION SERVICE PLAN | 1,432 | $228K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,034 | $1.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,034 | $1.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,034 | $1.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,354 | $435K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,034 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,354 | — |
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.