| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD. HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE COMPANY | $426 | $42K | $43K | 5.21% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD, SUITE 475 HOLLYWOOD, FL 33021 | GUARDIAN | $9K | — | $9K | 11.68% |
| ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.51% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.46% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.54% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 194 | $817K |
| Dental | GUARDIAN | 146 | $74K |
| Vision | GUARDIAN | 146 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $69K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.