| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC. | 91 LAKE MORTON DR. LAKELAND, FL 33801 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 6.83% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.29% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | HUMANA INSURANCE COMPANY | $4K | $250 | $4K | 6.25% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $879 | $4K | 13.30% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $873K |
| Dental | HUMANA INSURANCE COMPANY | 141 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 141 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $27K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.