| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 1.51% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $0 | $32K | 1.40% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HEARNDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $0 | $38K | 10.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.93% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.99% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HERDON & ASSOCIATES INC | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.79% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HEARNDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 10.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.77% |
| STAHL & ASSOCIATES INSURANCE INC.3 | PO BOX 3608 LAKELAND, FL 33802 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.38% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5 | $4K | 2.63% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 11.86% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.70% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 14.31% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.83% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.77% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.95% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.61% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.64% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.56% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HEARNDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.01% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | DEARBORN LIFE INSURANCE COMPANY | $698 | $0 | $698 | 10.01% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $581 | $271 | $852 | 14.66% |
| DONALD ERIC WIENING3 | 44 LIL CHESTER RD HOPATCONG, NJ 07843 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $523 | $0 | $523 | 9.99% |
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 | 2,899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,466 | $2.5M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,241 | $320K |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,931 | $787K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,051 | $435K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,584 | $330K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,466 | $2.3M |
| Other(8 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,931 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,466 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.