| 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 | $61K | $19K | $80K | 13.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $7K | $34K | 5.82% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 2.65% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.38% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.07% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $4K | $12K | 17.75% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.01% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $996 | — | $996 | 1.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.62% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.55% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $954 | — | $954 | 1.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $7K | 18.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.42% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $639 | — | $639 | 1.61% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $1K | $4K | 12.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $334 | $2K | 5.88% |
| ROBERT CASE3 | 3315 NE 15TH ST FORT LAUDERDALE, FL 33304 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $647 | — | $647 | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET EIN 90-0135021 FEES | Claims processing; Other insurance fees and expenses Service code 12 | — | $355K |
| ALL ATLANTIC BENEFITS LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | $120K |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,364 | $605K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,364 | $576K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,364 | $576K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $73K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 497 | $723K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,364 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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.