| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $6K | $29K | 13.00% |
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 22.00% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.11% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS ADMIN | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $135K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 HLTH PROVIDER EAP | Other commissions; Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $92K |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $462K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $223K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $223K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $223K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $223K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $223K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
No prospect flags tripped on this filing.