| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $41K | $41K | 1.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $14K | $14K | 0.56% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $109K | $109K | 4.86% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 1.68% |
| ALL ATLANTIC BENEFITS LLC3 | 200S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $6K | $38K | 8.75% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 2.49% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | PO BOX 95000 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $223 | $99 | $322 | 0.07% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 330216940 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 4.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC. | 1100 NE 163RD ST FL 2 NORTH MIAMI, FL 33162 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.53% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | — | $6K | $6K | 18.91% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | — | $5K | 15.06% |
| LEONAGGEO BENEFITS INC3 Filed as: LEONAGGEO BENEFITS, INC | 1375 GATEWAY BLVD BOYNTON BEACH, FL 33426 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $3K | — | $3K | 8.99% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 3440 HOLLYWOOD BLVD ST3E 465 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $2K | — | $2K | 6.76% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 S. WOOD AVENUE ISELIN, NJ 08830 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $557 | — | $557 | 1.80% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $143 | — | $143 | 0.46% |
| PATRICIA A LEONAGGEO3 | 1 E CHESTERFIELD DRIVE BOYNTON BEACH, FL 33426 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $12 | — | $12 | 0.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | — | -$500 | -$500 | -1.62% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $3K | — | $3K | 14.93% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION | $451 | — | $451 | 14.94% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION | $253 | — | $253 | 15.10% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $176 | — | $176 | 15.03% |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 350 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,016 | $440K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,016 | $440K |
| Other(5 contracts, 3 carriers) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 108 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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.