| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC Filed as: SUDLER INSURANCE SERVICES, INC. | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | COVENTRY HEALTH CARE OF FLORIDA, INC. | $150K | — | $150K | 3.50% |
| SUDLER INSURANCE SERVICES INC Filed as: SUDLER INSURANCE SERVICE | 5034 NW 112 WAY CORAL SPRINGS, FL 33076 | COVENTRY HEALTH AND LIFE | $25K | — | $25K | 3.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED ADMINISTRATORS LLC NONE | Plan Administrator Service code 14 | 911 RIDGEBROOK ROAD SPARKS, MD 21152 | $76K |
| THE SEGAL COMPANY INC. NONE | Consulting (general) Service code 16 | 2018 POWERS FERRY ROAD ATLANTA, GA 30339 | $43K |
| PHILLIPS RICHARD & RIND, P.A. NONE | Legal Service code 29 | 9360 SW 72ND STREET, 283 MIAMI, FL 33173 | $15K |
| S I GORDON & COMPANY, PA NONE | Accounting (including auditing) Service code 10 | 1625 N COMMERCE BLVD 315 WESTON, FL 33326 | $13K |
| SEI INVESTMENT MANAGERS NONE | Investment management Service code 28 | 100 CIDER MILL ROAD OAKS, PA 19456 | $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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF FLORIDA, INC. | 1,129 | $5.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 689 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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.