| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD. HOLLYWOOD, FL 33021 | WELLNET | $67K | — | $67K | 9.75% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD, SUITE 475 HOLLYWOOD, FL 33021 | GUARDIAN | $9K | — | $9K | 11.69% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.93% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.98% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.16% |
| ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 19.70% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.28% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.77% |
| ARASAY LOPEZ3 | 31401 SW 191 AVE HOMESTEAD, FL 33030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 161.58% |
| JAVIER L ORTIZ3 | 474 NE 95TH ST MIAMI SHORES, FL 33138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $722 | — | $722 | 61.92% |
| GEORGE SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $530 | — | $530 | 45.45% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 25.04% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET | 122 | $682K |
| Dental | GUARDIAN | 130 | $79K |
| Vision | GUARDIAN | 130 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $60K |
| Stop-loss / reinsurancereinsurance | WELLNET | 122 | $682K |
| Other(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 260 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.