| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS. INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COM | $16K | — | $16K | 4.02% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS. INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 8.63% |
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | ADVANTICA REINSURANCE COMPANY | $446 | — | $446 | 1.59% |
| STAHL HERNDON & ASSOCIATES3 | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | NATIONAL GUARDIAN LIFE INSURANCE CO | $530 | — | $530 | 11.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH INSURANCE COMPANY EIN 59-1031071 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06003 | $133K |
| STAHL & ASSOCIATES INS INC. EIN 59-2273547 BROKER | Other commissions Service code 55 | P.O. BOX 3608 LAKELAND, FL 33802 | $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 | 514 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | ADVANTICA REINSURANCE COMPANY | 541 | $32K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COM | 514 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.