| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HEARNDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | HEALTH OPTIONS | $32K | $0 | $32K | 4.53% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL HEARNDON & ASSOCIATES | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | $0 | $19K | 4.59% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | HUMANA INSURANCE COMPANY | $3K | $1K | $4K | 8.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | HUMANA INSURANCE COMPANY | $263 | $0 | $263 | 0.49% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $916 | $4K | 19.01% |
| STAHL & ASSOCIATES INSURANCE INC.5 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $574 | $3K | 18.99% |
| STAHL & ASSOCIATES INSURANCE INC.5 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $719 | $719 | 5.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $474 | $2K | 13.49% |
| STAHL & ASSOCIATES INSURANCE INC.5 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $679 | $679 | 5.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $379 | $1K | 13.63% |
| STAHL & ASSOCIATES INSURANCE INC.5 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $522 | $522 | 5.00% |
| STAHL & ASSOCIATES INSURANCE INC.3 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $385 | $2K | 18.90% |
| STAHL & ASSOCIATES INSURANCE INC.5 | 110 CARILLON PKWY ST. PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $494 | $494 | 5.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 22 | $419K |
| Dental | HUMANA INSURANCE COMPANY | 93 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $14K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 61 | $1.1M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.