| 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 | $19K | — | $19K | 2.98% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 330218330 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.41% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 18.04% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $4K | — | $4K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 8.79% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $2K | $2K | 8.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 330218330 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $426 | $79 | $505 | 12.22% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AVMED | 70 | $651K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $90K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $90K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.