| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 337161201 | HUMANA MEDICAL PLAN, INC. | $44K | $949 | $45K | 5.12% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 337161201 | HUMANA INSURANCE COMPANY | $5K | $179 | $5K | 10.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $1K | — | $1K | 2.31% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | AFLAC | $1K | — | $1K | 2.28% |
| JOHN DOMEIER3 | 720 17TH AVENUE N ST. PETERSBURG, FL 33704 | AFLAC | $947 | — | $947 | 2.14% |
| JOYCE A FIORAVANTI3 | 11286 OAKRIDGE TRAIL DRIVE SEMINOLE, FL 33772 | AFLAC | $533 | — | $533 | 1.21% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANOIL, INC. | 7511 BURLINGTON AVENUE N ST. PETERSBURG, FL 33710 | AFLAC | $472 | — | $472 | 1.07% |
| DARRELL STANLEY BRANDIMORE3 | 3701 18TH AVENUE N SAINT PETERSBURG, FL 33713 | AFLAC | $310 | — | $310 | 0.70% |
| JAMIE PITTNER3 | 2749 BURNING TREE LANE CLEARWATER, FL 33761 | AFLAC | $251 | — | $251 | 0.57% |
| NORA M FOLKERS3 Filed as: NORA FOLKERS | 1121 CANE MILL LANE BRADENTON, FL 34212 | AFLAC | $236 | — | $236 | 0.53% |
| SANDRA WHITELEY3 | 1707 60TH STREET S GULFPORT, FL 33707 | AFLAC | $139 | — | $139 | 0.31% |
| ARNIE SAFERSTEIN3 | 7501 ULMERTON ROAD, APT. 812 LARGO, FL 34695 | AFLAC | $125 | — | $125 | 0.28% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $118 | — | $118 | 0.27% |
| TIFFANY KINDLE MILLER3 Filed as: TIFFANY MILLER | 1600 BOXWOOD LANE WYLIE, TX 75098 | AFLAC | $114 | — | $114 | 0.26% |
| CURRY N KIMMEY JR3 | P.O. BOX 246 SAFETY HARBOR, FL 34695 | AFLAC | $105 | — | $105 | 0.24% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 1089 HARMONY LANE, SUITE 1104 CLERMONT, FL 34711 | AFLAC | $93 | — | $93 | 0.21% |
| BYRON L GROVE3 | 11260 CHESTER ROAD CINCINNATI, OH 45246 | AFLAC | $75 | — | $75 | 0.17% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $56 | — | $56 | 0.13% |
| JAMES ARTHUR HARBOUR3 | 405 BARSCHALL DRIVE COLUMBUS, GA 31904 | AFLAC | $54 | — | $54 | 0.12% |
| MITCHELL KOGGE3 | 11323 N 50TH STREET, APT 5 TAMPA, FL 33617 | AFLAC | $52 | — | $52 | 0.12% |
| SUSAN BRIMHALL3 | P.O. BOX 336 SMITHS STATION, AL 36877 | AFLAC | $45 | — | $45 | 0.10% |
| J W GRIMES INC3 Filed as: JW GRIMES, INC | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $33 | — | $33 | 0.07% |
| STEPHEN GRAZIANO3 | 100 S KENTUCKY AVENUE, SUITE 240 LAKELAND, FL 33801 | AFLAC | $32 | — | $32 | 0.07% |
| AIMEE BRANDON3 | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $26 | — | $26 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $25 | — | $25 | 0.06% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS ROAD PINE MOUNTAIN, GA 31822 | AFLAC | $16 | — | $16 | 0.04% |
| BARTLEIN AND ASSOC INC3 | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC | $15 | — | $15 | 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% |
| JEFFREY GLENN YARISH3 | 16122 ARMISTEAD LANE ODESSA, FL 33556 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | AFLAC | $6 | — | $6 | 0.01% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 101 N JEFFERSON ST, RM 305 MEXICO, MO 65265 | AFLAC | $6 | — | $6 | 0.01% |
| GRAVES INC3 Filed as: GRAVES, INC. | 5659 W. HOLIDAY STREET HOMOSASSA, FL 34446 | AFLAC | $5 | — | $5 | 0.01% |
| JANINE FOX3 | 18 HAVILAND DRIVE SCHENECTADY, NY 12302 | AFLAC | $5 | — | $5 | 0.01% |
| MARY REBECCA WEATHERLY3 Filed as: MARY WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | AFLAC | $5 | — | $5 | 0.01% |
| FRANCIS V CRUZ3 Filed as: FRANCIS CRUZ | P.O. BOX 302 BRADFORDWOODS, PA 15015 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES A HARBOUR | 405 BARSCHALL DRIVE COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| JENNIFER B MOREHEAD3 Filed as: JENNIFER MOREHEAD | 13412 WHITBY ROAD HUDSON, FL 34667 | AFLAC | $3 | — | $3 | 0.01% |
| JESSICA ESKEW3 | 10426 SPRINGROSE DRIVE TAMPA, FL 33626 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $2 | — | $2 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 11500 COUNTY LINE ROAD MIDLAND, GA 31820 | AFLAC | $2 | — | $2 | 0.00% |
| 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 | HC 64 BOX 1815 CASTLE VALLEY, UT 84532 | AFLAC | $0 | — | $0 | 0.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 337161201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| VERNON WALKER4 | 3507 BELLE VISTA DRIVE E ST. PETERSBURG, FL 33706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $231 | — | $231 | 9.41% |
| CHERYL DAGATA DBA CAD & JAD CONSULT4 Filed as: CHERYL DAGATA DBA CAD & JAD CONS SV | 130 PROMINENCE PT PKWY STE 130-339 CANTON, GA 30114 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | — | $29 | 1.18% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 50 | $44K |
| Dental | HUMANA INSURANCE COMPANY | 67 | $47K |
| Vision | HUMANA INSURANCE COMPANY | 67 | $47K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $49K |
| Short-term disability | AFLAC | 50 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $25K |
| Other(4 contracts, 4 carriers) | HUMANA MEDICAL PLAN, INC. | 90 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.