| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD OF FLORIDA | $48K | — | $48K | 5.98% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | HEALTH OPTIONS | $20K | — | $20K | 6.08% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $5K | $948 | $6K | 5.93% |
| DONALD C SAVOY INC3 | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK RD SUITE 475 HOLLYWOOD, FL 33021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.74% |
| VERONICA FERRARI3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMFIRST | $11K | — | $11K | 33.21% |
| BENEFITMALL3 Filed as: TIFFANY STILLER (BENEFITMALL) | 12404 PARK CENTRAL DRIVE, STE. 400S DALLAS, TX 75251 | AMFIRST | $3K | — | $3K | 9.68% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | — | $3K | 9.13% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $1K | $157 | $2K | 9.85% |
| DONALD C SAVOY INC3 | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $816 | — | $816 | 5.00% |
| BARRY YOUNG ENT. INC3 | 4613 N UNIVERSITY DR #404 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $1K | $189 | $2K | 10.75% |
| DONALD C SAVOY INC3 | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $724 | — | $724 | 5.00% |
| BARRY YOUNG ENT. INC3 | 4613 N UNIVERSITY DR #404 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 67.75% |
| DONALD C SAVOY INC3 | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $153 | — | $153 | 4.97% |
No Schedule C service providers reported on this filing.
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 68 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $61K |
| Life insurance | STANDARD INSURANCE COMPANY | 136 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 26 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 136 | $100K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 68 | $1.1M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.