| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | BLUE CARE NETWORK OF MICHIGAN | $103K | — | $103K | 1.60% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | COVENTRY HEALTH CARE OF FLORIDA, INC | $107K | — | $107K | 5.00% |
| SUDLER INSURANCE SERVICES INC3 Filed as: SUDLER INSURANCE SERVICES INC. | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | AETNA | — | $41K | $41K | 3.89% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | HEALTH ALLIANCE PLAN | $16K | — | $16K | 3.38% |
| ROBERT A SUDLER3 Filed as: ROBERT SUDLER | 5850 CORAL RIDGE DR., STE 103-C CORAL SPRINGS, FL 33076 | THE UNION LABOR LIFE INSURANCE CO | $6K | — | $6K | 10.00% |
| SUDLER INSURANCE SERVICES INC3 Filed as: SUDLER INSURANCE SERVICES INC. | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | AETNA | $359 | — | $359 | 3.82% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $12K | $32K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Float revenue; Other commissions; Consulting (general); Other fees; Claims processing; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $625K |
| SUGARMAN & SUSSKIND EIN 59-2539792 ATTORNEY FIRM | Legal Service code 29 | 100 MIRACLE MILE, SUITE 300 CORAL GABLES, FL 33134 | $170K |
| SUDLER INSURANCE SERVICES EIN 65-0588651 INSURANCE SERVICES | Insurance services Service code 23 | 5850 CORAL RIDGE DR., SUITE 103-C CORAL SPRINGS, FL 33076 | $88K |
| THE SEGAL COMPANY EIN 13-1975123 ACTURIAL FIRM | Actuarial Service code 11 | 101 NORTH WACKER DRIVE, SUITE 500 CHICAGO, IL 606061724 | $86K |
| COHEN & COMPANY, LTD EIN 38-1878652 CPA FIRM | Accounting (including auditing) Service code 10 | 21420 GREATER MACK ST CLAIR SHORES, MI 48080 | $37K |
| CALDWELL ADVISORS LLC EIN 11-3814029 INVESTMENT MGR | Investment management Service code 28 | 5210 MARYLAND WAY, SUITE 202 BRENTWOOD, TN 37027 | $19K |
| CHICAGO EQUITY PARTNERS EIN 36-4338679 CUSTODIAN | Other investment fees and expenses; Custodial (securities) Service code 19 | 6069 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $16K |
| ATLANTA CAPITAL EIN 58-2236910 INVESTMENT MGR | Investment management Service code 28 | 1075 PEACHREE ST NE SUITE 2100 ATLANTA, GA 30309 | $15K |
| INVESCO ADVISORS EIN 58-1707262 INVESTMENT MGR | Investment management Service code 28 | 1555 PEACHTREE STREET, NE ATLANTA, GA 30309 | $8K |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,482 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,334 | $11.1M |
| Dental(2 contracts, 2 carriers) | AETNA | 1,334 | $9K |
| Vision(2 contracts, 2 carriers) | AETNA | 1,334 | $9K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 923 | $63K |
| Prescription drug(7 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,334 | $9.0M |
| Other(4 contracts, 4 carriers) | AETNA | 1,334 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.