| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PRK RD, STE 475 HOLLYWOOD, FL 33021 | STARMOUNT LIFE INSURANCE COMPANY | $77K | — | $77K | 14.47% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE COMPANY | $27K | — | $27K | 7.19% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $13K | — | $13K | 3.41% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE COMPANY | $9K | — | $9K | 2.41% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 15.00% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 5.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 14.12% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.71% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $8K | $24K | — |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $478 | $155 | $633 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $332 | $854 | $1K | — |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $59 | — | $59 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $364K |
| ALL ATLANTIC BENEFITS LLC EIN 84-4210940 BROKER | Other commissions Service code 55 | 200 S. PARK ROAD, SUITE 475 HOLLYWOOD, FL 33021 | $166K |
| AMG BRICKELL INC BROKER | Other commissions Service code 55 | 1111 PARK CENTRE BLVD #401 MIAMI, FL 33169 | $86K |
| WORLD INSURANCE ASSOCIATES LLC EIN 45-3601219 BROKER | Other commissions Service code 55 | 56 SHREWSBURY AVE, SUITE 200 TINTON FALLS, NJ 07701 | $55K |
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 | 1,091 | 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) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,042 | $530K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,042 | $530K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 573 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $302K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $302K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE COMPANY | 573 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.