| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 440 HOLLYWOOD BLVD., STE 405 HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE CO. | $7K | $14K | $21K | 1.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE TINTON FALLS, NJ 07701 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.16% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $291 | $5K | 15.88% |
| 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 | $2K | $170 | $2K | 5.51% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $149 | $3K | 15.81% |
| 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 | $913 | $87 | $1K | 5.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $365 | $34 | $399 | 16.38% |
| 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 | $122 | $20 | $142 | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC EIN 84-4210940 ADMINISTRATION FEES | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 3440 HOLLYWOOD BLVD., STE 465 HOLLYWOOD, FL 33021 | $59K |
| WORLD INSURANCE ASSOCIATES LLC ADMINISTRATION FEES | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | 656 SHREWSBURY AVE TINTON FALLS, NJ 07701 | $20K |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 225 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO. | 225 | $1.4M |
| Vision | AETNA LIFE INSURANCE CO. | 225 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $2K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.