| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $81K | $101K | 2.39% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | PO BOX 95000 LB #1803 PHILADELPHIA, PA 191950001 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $25K | $31K | 0.73% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $597 | $2K | $3K | 0.07% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16K | — | $16K | 9.43% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 5.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.42% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD STE 475 HOLLYWOOD, FL 33021 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD STE 475 HOLLYWOOD, FL 33021 | UNUM INSURANCE COMPANY | $4K | — | $4K | 12.97% |
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 | 474 | 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) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 718 | $4.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 718 | $4.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 718 | $4.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $211K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $150K |
| Other(5 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 474 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.