| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $88K | $94K | 7.17% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC,ROUND TABLE STUD | 25B HANOVER RD #200 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 7.41% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.22% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.40% |
| 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 | $1K | $387 | $2K | 6.65% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.10% |
| BARRY YOUNG ENTERPRISES INC.3 | 4613 N UNIVERSITY DR CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $479 | — | $479 | 2.03% |
| 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 | $1K | $303 | $1K | 6.42% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.26% |
| BARRY YOUNG ENT. INC3 | 4265 NW 73RD WY CORAL SPRINGS, FL 33065 | STANDARD INSURANCE COMPANY | $445 | — | $445 | 2.08% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 19.35% |
| 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% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | -$197 | -$197 | -2.06% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 24.85% |
| BARRY YOUNG ENT. INC3 | 4613 N UNIVERSITY DR #404 CORAL SPRINGS, FL 33067 | STANDARD INSURANCE COMPANY | $571 | — | $571 | 10.15% |
| 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 | $281 | $116 | $397 | 7.06% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 139 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 34 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $87K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 139 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.