| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 330762775 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $104K | $108K | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEES BENEFIT ADMIN IN EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $72K |
| LAPADULA CARLSON & CO EIN 65-0292391 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $58K |
| SUGARMAN & SUSSKIND EIN 59-2539792 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE BENEFITS, INC. | 281 | $85K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 281 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.