| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD SUITE 465 HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD OF FLORIDA | $68K | — | $68K | 7.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.02% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH NDIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.82% |
| 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 | 3.82% |
| 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 | $647 | — | $647 | 1.18% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFEINSURANCE COMPANY | $3K | $174 | $3K | 7.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIKWOOD RD KIRKWOOD, MO 63122 | METROPOLITAN LIFEINSURANCE COMPANY | $1K | $739 | $2K | 4.47% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S ISELIN, NJ 08830 | METROPOLITAN LIFEINSURANCE COMPANY | $1K | — | $1K | 2.25% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $915 | $5K | 18.82% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | — | $889 | 3.71% |
| 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 | $310 | — | $310 | 1.29% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $560 | $3K | 17.97% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $724 | — | $724 | 3.83% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $724 | $724 | 3.83% |
| 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 | $220 | — | $220 | 1.17% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $493 | $3K | 18.12% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HWY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | — | $566 | 3.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $566 | $566 | 3.58% |
| 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 | $224 | — | $224 | 1.42% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $275 | — | $275 | 6.78% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $120 | $60 | $180 | 4.44% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S ISELIN, NJ 08830 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $92 | — | $92 | 2.27% |
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) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $969K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFEINSURANCE COMPANY | 122 | $53K |
| Vision | METROPOLITAN LIFEINSURANCE COMPANY | 122 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $969K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.