| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 | 3939 TAMPA RD. OLDSMAR, FL 34677 | BLUE CROSS BLUE SHIELD OF FLORIDA | $62K | $0 | $62K | 6.03% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 3939 TAMPA RD. OLDSMAR, FL 34677 | HEALTH OPTIONS, INC. | $36K | $0 | $36K | 6.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 4.34% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.96% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $793 | $236 | $1K | 12.97% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 126 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 218 | $123K |
| Vision | HUMANA INSURANCE COMPANY | 218 | $123K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $35K |
| Prescription drug | HEALTH OPTIONS, INC. | 79 | $603K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.