| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $136K | $136K | 5.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.20% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/PRODUCERS | — | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | $42K | $9K | $51K | 26.59% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.89% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| 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 | $0 | $3K | $3K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.56% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 STE 300 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| 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 | $0 | $2K | $2K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 STE 300 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.55% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, MT 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.14% |
| 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 | $0 | $1K | $1K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| 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 | $0 | $1K | $1K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.16% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS/PRODUCERS | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $485 | $46 | $531 | 13.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $348 | $0 | $348 | 10.01% |
| ALL ATLANTIC BENEFITS LLC | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL OF CALIFORNIA, INC | $176 | — | $176 | 10.01% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF KENTUCKY, INC | $156 | $0 | $156 | 9.98% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $2.5M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $128K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $56K |
| Other(6 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | 251 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.