| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S. PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 15.66% |
| LORRAINE AMALIA JIMENEZ3 Filed as: LORRAINE A JIMENEZ | 9271 SW 59TH ST MIAMI, FL 33173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 3.92% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $566 | $5K | 15.22% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.60% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINAI BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.29% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $444 | $3K | 15.62% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MA 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $686 | $686 | 3.51% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $652 | — | $652 | 3.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | — | $648 | 3.32% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $308 | $2K | 15.97% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $408 | $408 | 3.49% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $390 | — | $390 | 3.34% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $389 | — | $389 | 3.33% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $214 | $1K | 15.77% |
| 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 | — | $319 | $319 | 3.57% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $299 | — | $299 | 3.35% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | — | $294 | 3.29% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 15.04% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE CO. | $1K | — | $1K | 14.36% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $936 | $936 | 10.85% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $556 | $556 | 6.44% |
| LORRAINE AMALIA JIMENEZ3 Filed as: LORRAINE A JIMENEZ | 9271 SW 59TH STREET MIAMI, FL 33173 | TRANSAMERICA INSURANCE CO. | $265 | — | $265 | 3.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2400 EAST COMMERCIAL BLVD FORT LAUREDALE, FL 33496 | TRANSAMERICA INSURANCE CO. | $54 | — | $54 | 0.63% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $967 | $219 | $1K | 16.36% |
| 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 | — | $244 | $244 | 3.37% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $242 | — | $242 | 3.34% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $242 | — | $242 | 3.34% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $460 | $107 | $567 | 16.43% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $116 | $116 | 3.36% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | — | $115 | 3.33% |
| LORRAINE AMALIA JIMENEZ3 | 9271 SW 59TH ST MIAMI, FL 33173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | — | $115 | 3.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $40K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $364K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $364K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $364K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $31K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $38K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $12K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.