| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $104K | $114K | 2.57% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $93K | $103K | 2.31% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 20.90% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.93% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 19.10% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.07% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.89% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $951 | $951 | 2.94% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | PO BOX 908 FORT WORTH, TX 76101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $809 | $809 | 2.90% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TRUST MANAGEMENT GROUP3 Filed as: TRUST MANAGEMENT GROUP INC | 1201 S ORLANDO AVE STE 450 WINTER PARK, FL 32789 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $542 | $542 | 3.38% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $536 | $0 | $536 | 10.00% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $4.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 466 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $115K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $65K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.