| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY FERGUSON3 Filed as: KIMBERLY ECKELBARGER | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 16.75% |
| SANDY WASSON & ASSOCIATES INS, INC.3 Filed as: SANDY WASSON & ASSOCIATES INS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.34% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.99% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED MUTUAL OF OMAHA | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.64% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 300 SAINT PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $4K | $4K | $8K | 10.67% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 118 | $344K |
| Dental | HUMANA INSURANCE COMPANY | 116 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 116 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $84K |
| Stop-loss / reinsurancereinsurance | HEALTHPLANS, INC. | 0 | $0 |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
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.