| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 S PARK RD STE 475 HOLLYWODD, FL 33021 | BLUE CROSS BLUE SHIELD OF FLORIDA | $89K | — | $89K | 5.82% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 12.20% |
| CRAIG ERIC NOVEK3 Filed as: CRAIG NOVEK | 1000 CORPORATE DR, SUITE 110 3RD FLOOR BRIDGEPORT, CT 06604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 10.69% |
| CRAIG ERIC NOVEK3 | 9290 CARRINGTON AVE PARKLAND, FL 33076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $861 | — | $861 | 2.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $718 | $3K | 14.38% |
| CRAIG ERIC NOVEK3 | 9290 CARRINGTON AVE PARKLAND, FL 33076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $861 | — | $861 | 3.75% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK AVE, SUITE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $2K | — | $2K | 15.00% |
| MASA AGENTS3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $1K | — | $1K | 9.70% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $406 | $145 | $551 | 10.18% |
| CRAIG ERIC NOVEK3 | 9290 CARRINGTON AVE PARKLAND, FL 33076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $135 | — | $135 | 2.49% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $72 | $72 | 2.91% |
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 | 560 | 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) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $212K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $212K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $212K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $40K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 193 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 560 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.