| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC3 | 5034 NW 112TH WAY CORAL SPRINGS, FL 33076 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $226K | $233K | 2.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED ADMINISTRATORS, LLC EIN 65-1205077 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | — | $115K |
| THE SEGAL COMPANY EIN 13-2619259 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $46K |
| PHILLIPS, RICHARD & RIND, P.A. EIN 65-0765728 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| BELLOWS ASSOCIATES, P.A. EIN 65-0804414 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| UNITED MEMBERS INSURANCE EIN 59-3006151 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $9K |
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 | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,550 | $8.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,550 | $8.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,550 | $8.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $136K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,550 | — |
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."
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.