| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT STAHL3 | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | CAPITAL HEALTH PLAN | $24K | — | $24K | 2.77% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS | 3939 TAMPA ROAD OLDSMAR, FL 346773104 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | — | $33K | 6.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 16.50% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.62% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.18% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| GL BENJAMIN INC3 Filed as: GL BENJAMIN INC. | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482 | — | $482 | 7.50% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 4.99% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 69 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $141K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $141K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $141K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $141K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.