| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER RD MAITLAND, FL 32751 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 3.98% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19K | $19K | 1.30% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 33758 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.98% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.71% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HERDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.50% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.41% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6090 CLEARWATER, FL 34618 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.88% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DR CLEARWATER, FL 33765 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.53% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $139K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $139K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $53K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.