| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 3939 TAMPA ROAD OLDSMAR, FL 34677 | HEALTH OPTIONS | $46K | $0 | $46K | 4.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HEALTH OPTIONS | $9K | $0 | $9K | 0.84% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 11.73% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.98% |
| MITCHELL KOGGE3 Filed as: MITCHELL KOGGE AND OTHER AGENTS | 11323 NORTH 50TH STREET APARTMENT 5 TAMPA, FL 33617 | AFLAC | $2K | $185 | $2K | 2.82% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | AFLAC | $2K | $0 | $2K | 2.48% |
| JOHN DOMEIER3 Filed as: JOHN H. DOMEIER | 720 17TH AVENUE NORTH ST PETERSBURG, FL 33704 | AFLAC | $1K | $265 | $2K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: RODNEY J. WILLIS | 10224 TARPON DRIVE TREASURE ISLAND, FL 33706 | AFLAC | $1K | $265 | $2K | 2.26% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL, INC. | 7511 BURLINGTON AVENUE NORTH ST PETERSBURG, FL 33710 | AFLAC | $836 | $0 | $836 | 1.22% |
| TRICIA MONTRONE3 | 8884 CHRISTIE DRIVE LARGO, FL 33771 | AFLAC | $531 | $0 | $531 | 0.78% |
| MITCHELL KOGGE3 | 11007 SUMMER DRIVE TAMPA, FL 33624 | AFLAC | $402 | $31 | $433 | 0.63% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.57% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $597 | $0 | $597 | 3.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $574 | $0 | $574 | 3.64% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS | 156 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $153K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 143 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $153K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $221K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $153K |
| Prescription drug | HEALTH OPTIONS | 156 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.