| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS, INC. | 91 LAKE MORTON DR. LAKELAND, FL 28455 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $69K | $69K | 4.83% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 337161201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $13K | $57K | 17.97% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $7K | — | $7K | 19.95% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PARKWAY ST. PETERSBURG, FL 337161201 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $318K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 326 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $318K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $318K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $318K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.