| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | $0 | $82K | 14.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 7.49% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.40% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 21.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.08% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.69% |
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.74% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.26% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.07% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $946 | $946 | 4.02% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $708 | $2K | 10.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $586 | $0 | $586 | 3.22% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $181 | $181 | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMIN | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $149K |
| CIGNA | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $556K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $146K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $38K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
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.