| 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 | $65K | — | $65K | 6.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 5.90% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $168 | $8K | 8.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.29% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $103 | $2K | 2.38% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 15.45% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $174 | — | $174 | 0.39% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $586 | $4K | 15.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $906 | — | $906 | 4.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $575 | — | $575 | 2.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $493 | $121 | $614 | 16.08% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $191 | $191 | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSCOIATES LLC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | — | $148 | 3.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $106 | — | $106 | 2.78% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.42% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $97K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $44K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.3M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 138 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.