| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD. HOLLYWOOD, FL 33021 | WELLNET | $47K | — | $47K | 24.42% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD, SUITE 475 HOLLYWOOD, FL 33021 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $80 | $7K | 11.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | — | $4K | $4K | 6.96% |
| ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $28 | $11K | 19.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 6.31% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $8 | $3K | 18.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.76% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 6.14% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $626 | $626 | 9.07% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK ROAD HOLLYWOOD, FL 33021 | UNUM INSURANCE COMPAY | $829 | $1 | $830 | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPAY | — | $481 | $481 | 8.69% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK ROAD HOLLYWOOD, FL 33021 | UNUM INSURANCE COMPANY | $707 | — | $707 | 15.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | — | $13 | $13 | 0.28% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK ROAD HOLLYWOOD, FL 33021 | PREFERRED LEGAL PLAN | $403 | — | $403 | 23.02% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET | 122 | $193K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 135 | $61K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 135 | $61K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $75K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 278 | $58K |
| Stop-loss / reinsurancereinsurance | WELLNET | 122 | $193K |
| Other(7 contracts, 5 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 278 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.