| 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 HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD OF FLORIDA | $78K | — | $78K | 7.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 10.42% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $273 | $4K | 5.42% |
| 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 | — | $3K | $3K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $937 | $5K | 9.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE TINTON FALLS, NJ 07701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $630 | $3K | 10.22% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.83% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $120 | $2K | 5.39% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $496 | $2K | 10.70% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | 6885 BELFORT OAKS PL JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.56% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $94 | $1K | 5.43% |
| 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% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $415 | $2K | 10.19% |
| UNITED BENEFIT ADVISORS OF FLORIDA3 Filed as: UNITED BENEFIT ADVISORS OF FLORIDA, | 6885 BELFORT OAKS PL STE 210 JACKSONVILLE, FL 32216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | $79 | $988 | 5.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP, LLC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $909 | $909 | 5.00% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $59K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 101 | $59K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $65K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 104 | $1.1M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.