Welfare broker

STAHL & ASSOCIATES INSURANCE INC.

Mailing address (most recent filing)

91 LAKE MORTON DR

LAKELAND, FL 33801

Total comp: $2.4M
Commissions: $1.8M
Fees: $625K
Filings: 51
Sponsors: 51

Carrier mix

Where STAHL & ASSOCIATES INSURANCE INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

CIGNA HEALTH AND LIFE INSURANCE COMPANY25.0%
UPMC HEALTH OPTIONS18.8%
UNITED OF OMAHA LIFE INSURANCE COMPANY12.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA12.5%
BLUE CROSS OF CALIFORNIA12.5%
UNITEDHEALTHCARE INSURANCE COMPANY6.3%
PRINCIPAL LIFE INSURANCE COMPANY6.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA6.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
CIGNA HEALTH AND LIFE INSURANCE COMPANY	4	$11.2M	25.0%
UPMC HEALTH OPTIONS	3	$6.0M	18.8%
UNITED OF OMAHA LIFE INSURANCE COMPANY	2	$688K	12.5%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$601K	12.5%
BLUE CROSS OF CALIFORNIA	2	$4.3M	12.5%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.6M	6.3%
PRINCIPAL LIFE INSURANCE COMPANY	1	$180K	6.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$29K	6.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
FL	16	$24.6M	0.4%	25.39x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of STAHL & ASSOCIATES INSURANCE INC.'s plans by broker comp / premium ratio. Median 7.57% vs welfare-wide median 6.29% (n=16).

Prospect-flag exposure · vs market baseline

Share of STAHL & ASSOCIATES INSURANCE INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-16 of 16 sponsors where STAHL & ASSOCIATES INSURANCE INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
CHIQUITA BRANDS INTERNATIONAL, INC. CHIQUITA HEALTH AND WELFARE PLAN	FL	$4.5M	$307K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
GEOGRAPHIC SOLUTIONS, INC. GEOGRAPHIC SOLUTIONS, INC. WELFARE BENEFITS PLAN	FL	$4.8M	$288K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
TREASURE COAST COMMUNITY HEALTH, INC. TREASURE COAST COMMUNITY HEALTH BENEFIT WELFARE PLAN	FL	$2.2M	$174K	BLUE CROSS BLUE SHIELD OF FLORIDA
SUNRISE LANDSCAPING LLC SUNRISE LANDSCAPING LLC WELFARE BENEFITS PLAN	FL	$3.2M	$157K	HEALTH OPTIONS
DECKS & DOCKS LUMBER COMPANY DECKS & DOCKS LUMBER COMPANY WELFARE BENEFIT PLAN	FL	$2.1M	$132K	BLUE CROSS BLUE SHIELD OF FLORIDA
CONTINUUMCLOUD CONTINUUMCLOUD WELFARE BENEFIT PLAN	FL	$1.6M	$106K	UNITEDHEALTHCARE INSURANCE COMPANY
MURPHY AUTO GROUP, INC. MURPHY AUTO GROUP HEALTH & WELFARE PLAN	FL	$1.4M	$96K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
PREMIER COMMUNITY HEALTHCARE GROUP PREMIER COMMUNITY HEALTHCARE GROUP BENEFIT PLAN	FL	$379K	$75K	UNITED OF OMAHA LIFE INSURANCE COMPANY
FENCE OUTLET, INC. FENCE OUTLET, INC.	FL	$1.3M	$72K	HEALTH OPTIONS
BLINK CHARGING, CO. BLINK CHARGING CO. WELFARE PLAN	FL	$384K	$66K	GUARDIAN LIFE INSURACE COMPANY
PHASETRONICS, INC. DBA MOTORTRONICS PHASETRONICS HEALTH PLAN	FL	$509K	$61K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
FLORIDA CUSTOM MOLD, INC. FLORIDA CUSTOM MOLD, INC. FLEXIBLE BENEFIT PLAN	FL	$1.5M	$60K	HEALTH OPTIONS
CUTRALE CITRUS JUICES USA, INC. CUTRALE CITRUS JUICES USA INC DENTAL PLAN	FL	$308K	$52K	UNITED OF OMAHA LIFE INSURANCE COMPANY
BETHEL FARMS, L.L.L.P. BETHEL FARMS, L.L.L.P. EMPLOYEE BENEFITS PLAN	FL	$180K	$24K	PRINCIPAL LIFE INSURANCE COMPANY
MUTZ MOTORS LIMITED PARTNERSHIP DBA LAKELAND AUTOMALL LAKELAND AUTOMALL WELFARE BENEFITS PLAN	FL	$217K	$21K	GUARDIAN LIFE INSURACE COMPANY
BARNEY'S PUMPS, INC. BARNEY'S PUMPS INC. WELFARE BENEFITS PLAN	FL	$29K	$3K	LIFE INSURANCE COMPANY OF NORTH AMERICA