| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | WELLNET HEALTHCARE | $62K | — | $62K | 4.87% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE/ RACHEL SAPOZNIK | 1100 NE 163RD STEET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | WELLNET HEALTHCARE | $21K | — | $21K | 1.62% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PRK RD, STE 475 HOLLYWOOD, FL 33021 | STARMOUNT LIFE INSURANCE COMPANY | $101K | — | $101K | 15.80% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 14.60% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 4.87% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 15.23% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.08% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $28K | — | $28K | 15.75% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE COMPANY | $23K | — | $23K | 13.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $10K | — | $10K | 5.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE COMPANY | $8K | — | $8K | 4.33% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.53% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | — | $155 | $155 | 0.26% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD S-475 HOLLYWOOD, FL 33021 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 9.14% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $5K | — | $5K | 19.94% |
| MASA AGENT3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $4K | — | $4K | 14.97% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | STRYDEN, INC | $2K | — | $2K | 9.09% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $146 | $91 | $237 | 2.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET HEALTHCARE EIN 90-0135021 TPA ADMIN FEES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 13 | — | $266K |
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 | 1,209 | 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) | 1,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET HEALTHCARE | 1,209 | $1.3M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,265 | $688K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,265 | $656K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 654 | $398K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 555 | $634K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 555 | $506K |
| Stop-loss / reinsurancereinsurance | WELLNET HEALTHCARE | 1,209 | $1.3M |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 654 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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.