| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STONER ORGANIZATION3 | 700 CENTRAL AVENUE SUITE 404 ST PETERSBURG, FL 337013600 | HUMANA MEDICAL PLAN, INC. | $34K | $1K | $35K | 5.01% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVENUE SUITE 404 ST PETERSBURG, FL 337013600 | HUMANA INSURANCE COMPANY | $7K | $3K | $10K | 19.95% |
| GCD INSURANCE CONSULTANTS INC3 Filed as: GCD INSURANCE CONSULTANTS | 7416 MONIKA MANOR DRIVE TAMPA, FL 33625 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.79% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVENUE SUITE 404 ST PETERSBURG, FL 337013600 | COMPBENEFITS COMPANY | $1K | $852 | $2K | 25.66% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED SCH A | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | $303 | $1K | 19.52% |
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 | 118 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 62 | $699K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 63 | $57K |
| Vision | HUMANA INSURANCE COMPANY | 63 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $22K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.