| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 3939 TAMPA ROAD OLDSMAR, FL 346773104 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | — | $39K | 6.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 3939 TAMPA ROAD OLDSMAR, FL 346773104 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 337161201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.10% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $478 | $6K | 10.93% |
| JOHN DOMEIER3 | 720 17TH AVENUE N ST. PETERSBURG, FL 33704 | AFLAC | $954 | $105 | $1K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $887 | $105 | $992 | 1.96% |
| ROBERTO FIORAVANTI3 | 5186 104TH STREET N ST. PETERSBURG, FL 33708 | AFLAC | $863 | — | $863 | 1.70% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANOIL, INC. | 7511 BURLINGTON AVENUE N ST. PETERSBURG, FL 33710 | AFLAC | $707 | $42 | $749 | 1.48% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | AFLAC | $521 | — | $521 | 1.03% |
| NORA M FOLKERS3 Filed as: NORA FOLKERS | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $351 | — | $351 | 0.69% |
| TIFFANY KINDLE MILLER3 Filed as: TIFFANY MILLER | 1600 BOXWOOD LANE WYLIE, TX 75098 | AFLAC | $326 | — | $326 | 0.64% |
| JOSEPH DUCKETT3 | 1000 PARKWOOD CIRCLE SE, SUITE 900 ATLANTA, GA 30339 | AFLAC | $217 | $42 | $259 | 0.51% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 1089 HARMONY LANE, SUITE 1104 CLERMONT, FL 34711 | AFLAC | $208 | — | $208 | 0.41% |
| SANDRA WHITELEY3 | 1707 60TH STREET S GULFPORT, FL 33707 | AFLAC | $179 | — | $179 | 0.35% |
| ARNIE SAFERSTEIN3 | 7501 ULMERTON ROAD, APT. 812 LARGO, FL 34695 | AFLAC | $169 | — | $169 | 0.33% |
| ECK INC3 Filed as: ECK, INC. | P.O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $147 | — | $147 | 0.29% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $120 | — | $120 | 0.24% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 1100 ALAKEA STREET, SUITE 3200 HONOLULU, HI 96813 | AFLAC | $94 | — | $94 | 0.19% |
| SUSAN BRIMHALL3 | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $82 | — | $82 | 0.16% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $47 | — | $47 | 0.09% |
| JACK RICE INSURANCE LLC3 Filed as: JACK RICE INSURANCE, LLC | 13080 BELCHER ROAD S, SUITE H LARGO, FL 33773 | AFLAC | $44 | — | $44 | 0.09% |
| J W GRIMES INC3 Filed as: J W GRIMES, INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $43 | — | $43 | 0.08% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $29 | — | $29 | 0.06% |
| KAREN C HOLLOWELL3 | 2100 5TH AVENUE N SAINT PETERSBURG, FL 33713 | AFLAC | $23 | — | $23 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CRAIG BROWN | 1303 AUBURN LAKES CIR VENICE, FL 34292 | AFLAC | $22 | — | $22 | 0.04% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 715 N KENTUCKY STREET MEXICO, MO 65265 | AFLAC | $18 | — | $18 | 0.04% |
| JEFFREY GLENN YARISH3 Filed as: JEFFREY YARISH | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $14 | — | $14 | 0.03% |
| VICTORIA BELLAVIA3 | 2427 BENTLEY DRIVE PALM HARBOR, FL 34684 | AFLAC | $13 | — | $13 | 0.03% |
| LAURA ALGREN3 | 17960 GULF BLVD., APT 114 REDINGTON SHORES, FL 33708 | AFLAC | $13 | — | $13 | 0.03% |
| GARY WHITE3 | 1607 MONUMENT AVENUE PORT ST. JOE, FL 32456 | AFLAC | $11 | — | $11 | 0.02% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $9 | — | $9 | 0.02% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $9 | — | $9 | 0.02% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | 19115 LIVINGSTON AVENUE LUTZ, FL 33559 | AFLAC | $8 | — | $8 | 0.02% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | AFLAC | $8 | — | $8 | 0.02% |
| GRAVES INC3 Filed as: GRAVES, INC. | 5659 W. HOLIDAY STREET HOMOSASSA, FL 34446 | AFLAC | $8 | — | $8 | 0.02% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 13412 WHITBY ROAD HUDSON, FL 34667 | AFLAC | $4 | — | $4 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DRIVE TAMPA, FL 33626 | AFLAC | $4 | — | $4 | 0.01% |
| ELLEN D JAMES3 Filed as: ELLEN JAMES | 3831 MISTY LANDING DRIVE VALRICO, FL 33594 | AFLAC | $4 | — | $4 | 0.01% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $3 | — | $3 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH STREET WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.01% |
| OMER S BASS IV3 Filed as: OMER BASS IV | 565 W GATEWAY COURT MERRITT ISLAND, FL 32952 | AFLAC | $1 | — | $1 | 0.00% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER III | 106 FOUNTAIN DRIVE SLIDELL, LA 70458 | AFLAC | $1 | — | $1 | 0.00% |
| DELORES ELAINE PINKOWSKI3 Filed as: DELORES PINKOWSKI | HC 64 BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $0 | — | $0 | 0.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG BEACH, FL 33716 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.00% |
| WALKER MARINE ENTERPRISES4 | 3507 BELLE VISTA DRIVE E ST. PETERSBURG, FL 33706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $460 | — | $460 | 12.22% |
| JOHN F. ROWAN4 Filed as: JOHN F ROWAN | 538 LINDSEY LAKE ROAD DALLAS, GA 30157 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $92 | — | $92 | 2.44% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 68 | $269K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $61K |
| Short-term disability | AFLAC | 68 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $61K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 64 | $871K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.