| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES, INC. | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | HEALTH OPTIONS | $76K | $0 | $76K | 5.00% |
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES, INC. | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | $0 | $7K | 5.00% |
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.53% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | $0 | $69 | 0.08% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 17.15% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.29% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | PO BOX 3608 LAKELAND, FL 33802 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.27% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $983 | $0 | $983 | 21.01% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 99 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $49K |
| Prescription drug | HEALTH OPTIONS | 99 | $1.5M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.