| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $2K | $83K | 17.47% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 20.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 9.00% |
| JED EMPLOYEE BENEFITS3 | 153 E. FLAGLER ST STE 228 MIAMI, FL 33131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 15.83% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD STE 475 HOLLYWOOD, FL 33021 | ZURICH INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| SINGLE POINT ENROLLMENT SOLUTIONS3 Filed as: SINGLE POINT ENROLLMENT SOLUTIONS I | 12002 SW 128TH CT. MIAMI, FL 33186 | ZURICH INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $506K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $133K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $133K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $148K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $148K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.