| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCS INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.52% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $912 | $448 | $1K | 5.19% |
| TRUST MANAGEMENT GROUP3 | 300 PRIMERA BLVD STE 140 LAKE MARY, FL 32746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $304 | $304 | 1.16% |
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES INC | PO BOX 3608 LAKELAND, FL 338023608 | THE METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| TRUST MANAGEMENT GROUP5 Filed as: TRUST MANAGEMENT GROUP DBA SELECT | 300 PRIMEBA BLVD STE 140 LAKE MARY, FL 327462167 | THE METROPOLITAN LIFE INSURANCE COMPANY | $637 | $958 | $2K | 8.32% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 337338020 | THE METROPOLITAN LIFE INSURANCE COMPANY | $955 | — | $955 | 4.98% |
| STAHL HERNDON & ASSOCIATES3 | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 10.14% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | PO BOX 33020 ST PETERSBURG, FL 337338020 | ADVANTICA REINSURANCE COMPANY | $291 | — | $291 | 1.86% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOC INS INC | 110 CARILLON PKWY ST PETERSBURG, FL 33716 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.80% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 1ST AVE S STE 500 ST PETERSBURG, FL 337014200 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $248 | — | $248 | 1.90% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $13K |
| Vision | ADVANTICA REINSURANCE COMPANY | 270 | $16K |
| Life insurance | THE METROPOLITAN LIFE INSURANCE COMPANY | 313 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $26K |
| Other(2 contracts, 2 carriers) | THE METROPOLITAN LIFE INSURANCE COMPANY | 313 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.