| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | WELLNET HEALTHCARE | $17K | — | $17K | 1.58% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE/ RACHEL SAPOZNIK | 1100 NE 163RD STEET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | WELLNET HEALTHCARE | $6K | — | $6K | 0.53% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | — | $66K | 9.03% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 2.83% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 15.20% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 5.07% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, STE 475 HOLLYWOOD, FL 33021 | LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 14.94% |
| BENITEZ, WALTER E3 | 12002 SW 128TH CT STE 207 MIAMI, FL 33186 | LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 4.98% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $31K | — | $31K | 15.04% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | — | $19K | $19K | 8.90% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | — | $18K | $18K | 8.40% |
| 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 | 4.51% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE COMPANY | $3K | — | $3K | 1.36% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD S-475 HOLLYWOOD, FL 33021 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 8.34% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD S-475 HOLLYWOOD, FL 33021 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $5K | — | $5K | 21.28% |
| MASA AGENT3 | 1250 S. PINE ISLAND ROAD, SUITE 500 PLANTATION, FL 33324 | MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | $908 | — | $908 | 3.71% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | DELTA VISION | $2K | — | $2K | 8.47% |
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 | 903 | 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) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET HEALTHCARE | 1,238 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,266 | $802K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,266 | $751K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 903 | $497K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 742 | $555K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 742 | $489K |
| Stop-loss / reinsurancereinsurance | WELLNET HEALTHCARE | 1,238 | $1.1M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 903 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,266 | — |
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.