| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $58K | $58K | 3.96% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVENUE SOUTH ST PETERSBURG, FL 33701 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19K | $19K | 1.32% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTTOM INSURANCE AGENCY INC | 11 WEST GARDEN STREET PENSACOLA, FL 32502 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.48% |
| STAHL HERNDON & ASSOCIATES3 Filed as: STAHL HERNDON & ASSOCIATES, INC. | 91 LAKE MORTON DRIVE LAKELAND, FL 33801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.59% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM, INC. | 300 1ST AVENUE SOUTH SUITE 500 ST PETERSBURG, FL 33701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.90% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INS, INC. | 110 CARILLON PARKWAY ST PETERSBURG, FL 33716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.95% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.91% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 181 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.