| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 0.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | 12320 RACE TRACK ROAD TAMPA, FL 33626 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.16% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $7K | $32K | 10.69% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 4.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, MO 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.77% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC. | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | ZURICH | $16K | — | $16K | 9.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 | 12002 SW 128TH CT. SUITE 207 MIAMI, FL 33186 | ZURICH | $9K | — | $9K | 5.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC. | 100 WOOD AVENUE SOUTH 4TH FLOOR ISELIN, NJ 08830 | ZURICH | $5K | — | $5K | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $939 | $6K | 16.69% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $516 | $2K | 4.58% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $585 | $3K | 15.34% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $844 | — | $844 | 4.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | $282 | $825 | 4.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSOR | Claims processing; Contract Administrator 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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 737 | $4.6M |
| Dental | AETNA LIFE INSURANCE CO. | 737 | $4.6M |
| Vision | AETNA LIFE INSURANCE CO. | 737 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $299K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $299K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $299K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 665 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.