| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $204K | $212K | 3.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED ADMINISTRATORS, LLC EIN 65-1205077 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan Service code 14 | — | $98K |
| THE SEGAL COMPANY EIN 13-2619259 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| PHILLIPS, RICHARD & RIND, P.A. EIN 65-0765728 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $20K |
| KSDT & CO, LLC EIN 26-0547877 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| BELLOWS ASSOCIATES, P.A. EIN 65-0804414 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| UNITED MEMBERS INSURANCE, INC. EIN 59-3006151 INSURANCE AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
| SEI INVESTMENT MANAGERS EIN 23-1707341 INVESTMENT MANAGER | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $8K |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,392 | $6.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 736 | $153K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 736 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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.