| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 6710 121ST AVE APT 9 LARGO, FL 337733524 | HEALTH OPTIONS INC | $46K | — | $46K | 6.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 337161201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $3K | $27K | 15.62% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT LIFE INSURANCE COMPANY | $8K | $537 | $9K | 26.87% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 12.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS INC | 118 | $775K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $172K |
| Vision | ADVANTICA REINSURANCE COMPANY | 143 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $172K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $172K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $172K |
| Prescription drug | HEALTH OPTIONS INC | 118 | $775K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.