| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $33K | $43K | 4.66% |
| JUST IN TIME EDUCATION & TECHNOLOGY3 | 153 E FLAGLER ST STE 228 MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | ANTHEM BLUE CROSS AND BLUE SHIELD | $27K | $8K | $35K | 5.19% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | HARTFORD LIFE AND ACCIDENT | $33K | $12K | $45K | 19.71% |
| JUST IN TIME EDUCATION & TECH3 Filed as: JUST IN TIME EDUCATION | 153 E FLAGLER ST MIAMI, FL 33131 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 6.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMFIRST | $3K | — | $3K | 9.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE, STE. 400S DALLAS, TX 75251 | AMFIRST | $1K | — | $1K | 3.18% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 392364067 | AMFIRST | $848 | — | $848 | 2.49% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.81% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 8.18% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOOLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | -$19 | — | -$19 | -0.10% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 73 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | -$23 | — | -$23 | -0.12% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMFIRST | $1K | — | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DRIVE, STE. 400S DALLAS, TX 75251 | AMFIRST | $348 | — | $348 | 3.44% |
| MORGAN WHITE LIMITED D/B/A MWG BROK3 | P O BOX 14067 JACKSON, MS 392364067 | AMFIRST | $253 | — | $253 | 2.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $613 | — | $613 | 9.88% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $503 | — | $503 | 8.11% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.6M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 120 | $680K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 120 | $680K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 348 | $230K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 348 | $230K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 348 | $230K |
| Other(7 contracts, 4 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 348 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.