| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AVMED | $21K | — | $21K | 2.74% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 163 STREET SUITE 207 MIAMI LAKES, FL 33014 | AVMED | $2K | — | $2K | 0.24% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 330218330 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 10.89% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $984 | $5K | 5.01% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 163RD ST STE 207 MIAMI LAKES, FL 330145618 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.45% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.21% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.88% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.17% |
| NSI INSURANCE GROUP LLC3 Filed as: NSI INSURANCE GROUP, LLC | 5875 NORTHWEST 163RD STREET MIAMI LAKES, FL 33014 | TRANSAMERICA LIFE INSURANCE COMPANY | $862 | — | $862 | 3.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SERV | 4851 LBJ FREEWAY DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | $690 | — | $690 | 2.89% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 330218330 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $346 | $71 | $417 | 9.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $166 | $42 | $208 | 4.94% |
| NSI INSURANCE GROUP LLC3 | 5875 NW 163 STREET SUITE 207 MIAMI LAKES, FL 330145618 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $70 | — | $70 | 1.66% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 70 | $787K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $98K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $98K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $98K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.