| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT STAHL3 | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | CAPITAL HEALTH PLAN | $20K | — | $20K | 3.02% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS | 3939 TAMPA ROAD OLDSMA, FL 346773104 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 6.08% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $16K | 20.46% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC. INS | 110 CARILLION PKWY ST PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $362 | $7K | 25.15% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 3939 TAMPA ROAD SUITE 300 OLDSMAR, FL 346773104 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 78 | $1.1M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $44K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $78K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.