| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL AND ASSOCS INSURANCE | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $50K | $50K | 4.34% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST | 2965 ALT 19 M PALM HARBOR, FL 34683 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.42% |
| TRUST MANAGEMENT GROUP5 | DBA SELECTSOURCE 300 PRIMERA BLVD STE 140 LAKE MARY, FL 327462167 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 12.30% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $5K | $14K | 12.30% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.95% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 5.89% |
| ALLTRUST INSURANCE3 Filed as: ALLTRUST | 2965 ALT 19 N PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.30% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INSURANCE | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | ADVANTICA | $1K | $0 | $1K | 9.83% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | ADVANTICA | $254 | $0 | $254 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOM SERVICES EIN 59-2316866 HRA ADMINISTRATOR | Plan Administrator; Consulting (general); Claims processing Service code 12 | — | $8K |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $114K |
| Vision | ADVANTICA | 224 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $76K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.