| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES COVERAGE INC3 | 5900 HIATUS ROAD TAMARAC, FL 33321 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 0.70% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD., STE 465 HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.06% |
| KEYES COVERAGE INC3 | 5900 HIATUS RD TAMARAC, FL 33321 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 12.87% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD., STE 465 HOLLYWOOD, FL 33021 | HARTFORD LIFE AND ACCIDENT | $910 | — | $910 | 2.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEYES COVERAGE INC BROKER | Insurance agents and brokers Service code 22 | 5900 HIATUS ROAD TAMARAC, FL 33321 | $173K |
| ALL ATLANTIC BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 3440 HOLLYWOOD BLVD., STE 465 HOLLYWOOD, FL 33021 | $16K |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 825 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO. | 825 | $3.9M |
| Vision | AETNA LIFE INSURANCE CO. | 825 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 806 | $36K |
| Other | HARTFORD LIFE AND ACCIDENT | 806 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.