| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 3.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12485 28TH ST N FL 2 ST PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 1.93% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | $5K | — | $5K | 5.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S GARLAND AVE, SUITE 1700 ORLANDO, FL 32801 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | $3K | — | $3K | 2.77% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.13% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $239 | — | $239 | 10.23% |
| MCGRIFF INSURANCE SERVICES INC3 | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111 | — | $111 | 4.75% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.5M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 145 | $99K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 145 | $99K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $20K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.