| 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 | $59K | — | $59K | 6.00% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | HEALTH OPTIONS | $28K | — | $28K | 6.00% |
| VERONICA FERRARI3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMFIRST | $16K | — | $16K | 15.00% |
| BENEFITMALL3 Filed as: TIFFANY STILLER (BENEFITMALL) | 12404 PARK CENTRAL DRIVE, STE. 400S DALLAS, TX 75251 | AMFIRST | $3K | — | $3K | 3.24% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | — | $3K | 2.50% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC,ROUND TABLE STUD | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $5K | $5K | $9K | 10.11% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $184 | — | $184 | 0.20% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK RD SUITE 475 HOLLYWOOD, FL 33021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.72% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | STANDARD INSURANCE COMPANY | $865 | $904 | $2K | 10.22% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.77% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $194 | — | $194 | 1.12% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC, ROUND TABLE STU | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | STANDARD INSURANCE COMPANY | $663 | $707 | $1K | 10.33% |
| BARRY YOUNG ENT. INC3 | 4265 NW 73RD WY CORAL SPRINGS, FL 33065 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.74% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $137 | — | $137 | 1.03% |
| DONALD C SAVOY INC3 | 200 CONNELL DR BERKELY HEIGHTS, NJ 07922 | STANDARD INSURANCE COMPANY | $24 | — | $24 | 0.18% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 20.03% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S. PARK ROAD,SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 18.04% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITS | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 15.04% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $267 | — | $267 | 2.73% |
| BARRY YOUNG ENT. INC3 | 4613 N UNIVERSITY DR #404 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 37.19% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC,ROUND TABLE STUD | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | STANDARD INSURANCE COMPANY | $322 | $229 | $551 | 8.55% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $5 | — | $5 | 0.08% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | 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 | 61 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $67K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 24 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 132 | $93K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 61 | $1.4M |
| Other(4 contracts, 3 carriers) | AMFIRST | 132 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.