| 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 | $97K | $19K | $116K | 13.08% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $2K | $33K | 3.72% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | WELLNET HEALTHCARE | $28K | — | $28K | 3.30% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASS LLC | 100 WOOD AVE S ISELIN, NJ 08830 | WELLNET HEALTHCARE | $9K | — | $9K | 1.10% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 5.05% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.62% |
| ALL ATLANTIC BENEFITS LLC5 Filed as: ALL ATLANTIC BENEFITS, LLC | 200 S PARK ROAD HOLLYWOOD, FL 33021 | ZURICH | $44K | — | $44K | 9.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS, | 12002 SW 128TH CT MIAMI, FL 33186 | ZURICH | $25K | — | $25K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S ISELIN, NJ 08830 | ZURICH | $15K | — | $15K | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | LIFE INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 15.83% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 5.28% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD S-475 HOLLYWOOD, FL 33021 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 6.61% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | DELTA DENTAL OF VIRGINIA | $997 | — | $997 | 1.17% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD S-475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $3K | — | $3K | 14.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $504 | — | $504 | 2.47% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | DELTA VISION | $1K | — | $1K | 6.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | DELTA VISION | $107 | — | $107 | 0.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN FINANCIAL GROUP | — | $283 | $283 | 4.99% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD HOLLYWOOD, FL 33021 | LINCOLN FINANCIAL GROUP | — | $74 | $74 | 1.31% |
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 | 960 | 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) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET HEALTHCARE | 1,789 | $837K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,434 | $974K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,434 | $908K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 934 | $529K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $739K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $784K |
| Stop-loss / reinsurancereinsurance | WELLNET HEALTHCARE | 1,789 | $837K |
| Other(5 contracts, 5 carriers) | ZURICH | 934 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,434 | — |
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.