| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | HEALTH ALLIANCE PLAN | $75K | — | $75K | 1.45% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | HEALTH ALLIANCE PLAN | $19K | — | $19K | 5.43% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CAROL SPRINGS, FL 33076 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| ROBERT A SUDLER3 Filed as: ROBERT SUDLER | 5850 CORAL RIDGE DR., STE 103-C CORAL SPRINGS, FL 33076 | THE UNION LABOR LIFE INSURANCE CO | $5K | — | $5K | 10.00% |
| SUDLER INSURANCE SERVICES INC3 Filed as: SUDLER INSURANCE SERVICES INC. | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 4.55% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | — | $22K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Other fees; Consulting (general); Other commissions; Float revenue; Insurance services; Non-monetary compensation; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $686K |
| SUGARMAN & SUSSKIND EIN 59-2539792 ATTORNEY FIRM | Legal Service code 29 | 100 MIRACLE MILE, SUITE 300 CORAL GABLES, FL 33134 | $159K |
| SUDLER INSURANCE SERVICES EIN 65-0588651 INSURANCE SERVICES | Insurance services Service code 23 | 5850 CORAL RIDGE DR., SUITE 103-C CORAL SPRINGS, FL 33076 | $90K |
| THE SEGAL COMPANY EIN 13-1975123 ACTURIAL FIRM | Actuarial Service code 11 | 101 NORTH WACKER DRIVE, SUITE 500 CHICAGO, IL 606061724 | $81K |
| COHEN & COMPANY, LTD EIN 34-1912961 CPA FIRM | Accounting (including auditing) Service code 10 | 21420 GREATER MACK ST CLAIR SHORES, MI 48080 | $36K |
| CALDWELL ADVISORS LLC EIN 11-3814029 INVESTMENT MGR | Investment management Service code 28 | 5210 MARYLAND WAY, SUITE 202 BRENTWOOD, TN 37027 | $20K |
| CHICAGO EQUITY PARTNERS EIN 36-4338679 CUSTODIAN | Other investment fees and expenses; Custodial (securities) Service code 19 | 6069 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $18K |
| ATLANTA CAPITAL EIN 58-2236910 INVESTMENT MGR | Investment management Service code 28 | 1075 PEACHREE ST NE SUITE 2100 ATLANTA, GA 30309 | $12K |
| INVESCO ADVISORS EIN 58-1707262 INVESTMENT MGR | Investment management Service code 28 | 1555 PEACHTREE STREET, NE ATLANTA, GA 30309 | $6K |
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 | 1,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 737 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 135 | $28K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 135 | $28K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 625 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO | 625 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.