| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE CO. | $26K | $118K | $144K | 2.89% |
| WORLD INSURANCE ASSOCIATES LLC3 | 12320 RACE TRACK ROAD TAMPA, FL 33626 | AETNA LIFE INSURANCE CO. | $8K | $33K | $41K | 0.81% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH ISELIN, NJ 08830 | AETNA LIFE INSURANCE CO. | $727 | $3K | $4K | 0.08% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $9K | $38K | 11.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 5.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, MO 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $22 | $10K | 3.02% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $13K | $13K | 21.03% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 17.68% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND ST EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.04% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 1700 WEST MT PLEASANT ST WEST BURTLINGTON, IA 52655 | TRANSAMERICA LIFE INSURANCE COMPANY | $224 | — | $224 | 0.37% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | -$2K | -$2K | -3.73% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.14% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $22 | $2K | 5.04% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $403 | $2K | 5.04% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $826 | $5K | 19.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 245 CHAGRIN BLVD BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $288 | $1K | 5.43% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $22 | $1K | 5.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | P.O. BOX 44347 MADISON, WI 53744 | $10K |
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 | 693 | 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) | 693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 772 | $5.0M |
| Dental | AETNA LIFE INSURANCE CO. | 772 | $5.0M |
| Vision | AETNA LIFE INSURANCE CO. | 772 | $5.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $321K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $321K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $321K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.