| 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 | $38K | $2K | $40K | 9.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $7K | $24K | 5.84% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.30% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 31.36% |
| S LLC ALL ATLANTIC BENEFIT3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 21.14% |
| LON R KOLSTAD3 Filed as: LON KOLSTAD | PO BOX 848415 PEMBROKE PINES, FL 33084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.96% |
| KIMMEY INSURANCE SERVICES INC3 Filed as: KIMMEY INS SERVICES | PO BOX 246 SAFETY HARBOR, FL 34695 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.15% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DR GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.13% |
| DANIEL E TORRES3 | 3939 HASTINGS CT APT 103 PALM HARBOR, FL 34685 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.06% |
| GL BENJAMIN INC3 | 3118 GULF TO BAY BLVD STE 200 CLEARWATER, FL 33759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| FRANCIS V CRUZ3 Filed as: FRANCIS VINCE CRUZ | 1911S LIVINGSTON AVE LUTZ, FL 33559 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| HARLEY D SHAW3 | 1226 YARDLEY DRIVE WESLEY CHAPEL, FL 33544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JANINE FOX3 Filed as: JANINE M FOX | 2185 LYNN ST SCHENECTADY, NY 12306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B DUCKETT | 119 NORTHBROOKE TRCE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CARL DECANINI3 | 703 SKYVIEW DR NE MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE TORRES GROUP LLC3 | 3939 HASTINGS COURT APT 103 PALM HARBOR, FL 34685 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARY REBECCA WEATHERLY3 Filed as: MARY R WEATHERLY | 1934 E LEEWYNN DRIVE SARASOTA, FL 34240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JEFF YARISH3 | 8575 SUNSET CT TREASURE ISLAND, FL 33706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JESSICA ESKEW3 Filed as: JESSICA R ESKEW | 8313 W. HILLSBOROUGH AVE STE 150 TAMPA, FL 33615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $777 | — | $777 | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $218 | $2K | 8.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $427 | $1K | 5.84% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $512 | — | $512 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET EIN 90-0135021 FEES | Other insurance fees and expenses; Claims processing Service code 12 | — | $282K |
| ALL ATLANTIC BENEFITS LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | $78K |
| SAPOZNIK INSURANCE INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | $26K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $437K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $411K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $411K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $26K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 450 | $376K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,219 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,219 | — |
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.