| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51K | $54K | $104K | 4.98% |
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES INC | 91 LAKE MORTON DRIVE LAKELAND, FL 338015346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $90K | — | $90K | 4.28% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCS INS INC. | 110 CARILLON PKWY ST PETERSBURG, FL 337161201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 4.34% |
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES INC. | PO BOX 3608 PO BOX 3608 LAKELAND, FL 33802 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 10.27% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATION INS INC. | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 18.77% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INSURANCE INC. | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 20.29% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 26.20% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.62% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $599 | — | $599 | 2.95% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC. | 110 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $298 | — | $298 | 1.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $857K |
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 | 1,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 778 | $336K |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,601 | $2.2M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,196 | $295K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,601 | $2.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,601 | $2.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,601 | $2.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,661 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,601 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,661 | — |
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."
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.