| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 330762775 | HUMANA INSURANCE COMPANY | $46K | — | $46K | 2.23% |
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | UNITEDHEALTHCARE INSURANCE COMPANY | $48 | $109K | $109K | 5.64% |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 330762775 | HUMANA INSURANCE COMPANY | $700 | — | $700 | 2.62% |
| ROBERT A SUDLER3 Filed as: ROBERT SUDLER | 5850 CORAL RIDGE DR., STE 103-C CORAL SPRINGS, FL 33076 | THE UNION LABOR LIFE INSURANCE CO | — | — | $0 | — |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | HEALTH ALLIANCE PLAN | — | — | $0 | — |
| ROBERT A SUDLER3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | AETNA LIFE INSURANCE CO. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Float revenue; Other fees; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Claims processing Service code 12 | 600 E LAFAYETTE BLVD DETROIT, MI 482262998 | $650K |
| SUGARMAN & SUSSKIND EIN 59-2539792 LAW FIRM | Legal Service code 29 | 100 MIRACLE MILE, SUITE 300 CORAL GABLES, FL 33134 | $120K |
| THE SEGAL COMPANY EIN 13-1975123 ACTUARIAL FIRM | Actuarial Service code 11 | 101 NORTH WACKER DRIVE, SUITE 500 CHICAGO, IL 606061724 | $92K |
| SUDLER INSURANCE SERVICES EIN 65-0588651 INSURANCE SERVICES | Insurance services Service code 23 | 5850 CORAL RIDGE DR., SUITE 103-C CORAL SPRINGS, FL 33076 | $35K |
| COHEN & COMPANY, LTD EIN 34-1912961 CPA FIRM | Accounting (including auditing) Service code 10 | 21420 GREATER MACK ST CLAIR SHORES, MI 48080 | $32K |
| CALDWELL ADVISORS LLC EIN 11-3814029 INVESTMENT MGR | Investment management Service code 28 | 5210 MARYLAND WAY, SUITE 202 BRENTWOOD, TN 37027 | $28K |
| TELADOC INC EIN 04-3705970 MEDICAL CARE | Other services Service code 49 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $13K |
| ATLANTA CAPITAL EIN 58-2236910 INVESTMENT MGR | Investment management Service code 28 | 1075 PEACHTREE ST NE SUITE 2100 ATLANTA, GA 30309 | $7K |
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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 558 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,028 | $4.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,028 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,028 | $0 |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 0 | $0 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,028 | $0 |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO | 1,028 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.