| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 330762775 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ARTY COHN & FEUER LC EIN 65-0718930 SERVICE PROVIDER | Accounting (including auditing) Service code 10 | — | $109K |
| EDWIN STEWART EIN 59-0832169 FUND MANAGER | Employee (plan) Service code 30 | — | $72K |
| CORLISS SELLERS EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 SERVICE PROVIDER | Investment advisory (plan); Securities brokerage; Other fees; Custodial (securities); Other services; Securities brokerage commissions and fees; Direct payment from the plan; Other investment fees and expenses Service code 19 | — | $43K |
| BETTY WILLIAMS EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| ROLANDO BLAKE EIN 59-0832169 PLAN EMPLOYEE | Legal Service code 29 | — | $39K |
| BETTY ROBINSON EIN 59-0832169 PLAN EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| KRAVITZ TALAMO & LEYTON LLP EIN 11-3720526 SERVICE PROVIDER | Legal Service code 29 | — | $25K |
| CONDUENT HR CONSULTING, LLC EIN 13-3954297 SERVICE PROVIDER | Actuarial Service code 11 | — | $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 | 1,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 766 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $538K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,445 | $0 |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,115 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,445 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.