| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $8K | $80K | 10.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $10K | $51K | 6.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD STEET NORTH MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 3.19% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD, STE. 475 HOLLYWOOD, FL 33021 | WELLNET | $141K | — | $141K | 27.28% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES, LL | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | WELLNET | $47K | — | $47K | 9.09% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $453 | $7K | 10.37% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 191950001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.23% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IA 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.29% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD STE 475 HOLLYWOO, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $432 | $3K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $898 | $6K | 12.08% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $399 | $3K | 5.94% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $899 | — | $899 | 1.73% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $842 | $4K | 8.87% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $382 | $2K | 4.35% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $533 | — | $533 | 1.17% |
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 | 1,407 | 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) | 1,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET | 589 | $515K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $757K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $757K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $757K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $757K |
| Stop-loss / reinsurancereinsurance | WELLNET | 589 | $515K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,407 | — |
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.