| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUDLER INSURANCE SERVICES INC3 Filed as: SUDLER INSURANCE SERVICES, INC | 5850 CORAL RIDGE DR. CORAL SPRINGS, FL 33321 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21 | — | $21 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Other services; Float revenue; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | 280 TRUMBULL ST. #5 HARTFORD, CT 06103 | $985K |
| NEBA, INC EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2010 N.W. 150 AVENUE, SUITE 100 PEMBROKE PINES, FL 33028 | $352K |
| DENNIS G. JENKINS, CPA, LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | 1690 STONE VILLAGE LANE STE 501 KENNESAW, GA 30152 | $30K |
| BHA CONSULTING, LLC EIN 26-1384808 NONE | Consulting (general) Service code 16 | 5400 LAUREL SPRINGS PARKWAY STE 1306 SUWANEE, GA 30024 | $27K |
| PHILLIPS, RICHARD, AND RIND PA EIN 65-0765728 NONE | Legal; Direct payment from the plan Service code 29 | 9360 SW 72 STREET SUITE 283 MIAMI, FL 33173 | $26K |
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 | 1,555 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,458 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,458 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.