| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES INC | PO BOX 3608 LAKELAND, FL 338023608 | METROPOLITAN LIFE | $2K | — | $2K | 6.87% |
| TRUST MANAGEMENT GROUP3 | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 327462167 | METROPOLITAN LIFE | — | $1K | $1K | 4.05% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC. | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.82% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 1317 CITIZENS BLVD LEESBURG, FL 34748 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $332 | — | $332 | 1.18% |
| STAHL HERNDON & ASSOCIATES3 | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | ADVANTICA | $2K | — | $2K | 10.14% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 1317 CITIZENS BLVD LEESBURG, FL 34748 | ADVANTICA | $259 | — | $259 | 1.55% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | GUARDIAN | $2K | — | $2K | 18.23% |
| LASSITER WARE3 Filed as: LASSITER WARE INSURANCE | 1317 CITIZENS BLVD LEESBURG, FL 34748 | GUARDIAN | $731 | — | $731 | 5.48% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS INC | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE | $893 | — | $893 | 13.76% |
| LASSITER WARE3 Filed as: LASSITER WARE INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | LINCOLN NATIONAL LIFE INSURANCE | $80 | — | $80 | 1.23% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES | 110 CARILLON PARKWAY ST. PETERSBURG, FL 33716 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $618 | — | $618 | 13.40% |
| LASSITER WARE3 Filed as: LASSITER WARE INC | 1317 CITIZENS BLVD LEESBURG, FL 34748 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74 | — | $74 | 1.60% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 161 | $13K |
| Vision | ADVANTICA | 132 | $17K |
| Life insurance | METROPOLITAN LIFE | 227 | $29K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 171 | $28K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9 | $5K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE | 227 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.