Atlantic Coast Enterprises, LLC
Updated Filing received by DOL
Atlantic Coast Enterprises, LLC, an other services employer in Fort Lauderdale, Florida, reported 687 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $85,467 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Zurich American). The Department of Labor received the filing on January 28, 2026, before the deadline.
Who was paid on Atlantic Coast Enterprises, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Atlantic Coast Enterprises, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| All Atlantic Benefits · Hollywood, FL | $42,480 | $6,147 | $48,627 | 9 |
| Enrollment Alliance LLC · Tampa, FL | $0 | $11,075 | $11,075 | 6 |
| Craig Novek · Bridgeport, CT | $9,500 | $0 | $9,500 | 2 |
| Centro Benefits Group LLC · Kirkwood, MO | $0 | $5,756 | $5,756 | 6 |
| Crumdale Specialty · Paoli, PA | $0 | $5,339 | $5,339 | 1 |
| Craig Eric Novek · Parkland, FL | $3,248 | $0 | $3,248 | 4 |
| Bienenfeld, Lasek, & Starr LLC · FT Lauderdale, FL | $1,070 | $0 | $1,070 | 3 |
| Single Point Enrollment Solutions, · Miami, FL | $852 | $0 | $852 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Metropolitan Life Insurance Companydental, vision, life | 645 | — | $38,829 | — |
| United of Omaha Life Insurance Companylong-term disability | 224 | — | $9,806 | — |
| United of Omaha Life Insurance Companyshort-term disability | 25 | — | $2,339 | — |
| United of Omaha Life Insurance Companyshort-term disability | 224 | — | $14,516 | — |
| United of Omaha Life Insurance Companycoverage not coded | 55 | — | $4,339 | — |
| Medical Air Services Association of Florida, Inc.coverage not coded | 45 | — | $1,439 | — |
| Zurich Americanprescription drug, stop-loss | 213 | — | — | — |
| Zurichcoverage not coded | 39 | — | $3,408 | — |
| United of Omaha Life Insurance Companycoverage not coded | 39 | — | $2,681 | — |
| United of Omaha Life Insurance Companycoverage not coded | 69 | — | $2,771 | — |
| Pan-American Life Insurance Companylife | 165 | — | $5,339 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Atlantic Coast Enterprises, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 560 | 687 | +22.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $75,380 | $85,467 | +13.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Atlantic Coast Enterprises, LLC Employee Welfare Benefit Plan#501 · insurance | June 30, 2025 | January 28, 2026 | before deadline | 687 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Atlantic Coast Enterprises, LLC pay in health insurance broker commissions in 2024?
Atlantic Coast Enterprises, LLC's 2024 Form 5500 reports $85,467 in broker commissions and fees across 11 insurance contracts ($57,150 in commissions, $28,317 in fees), with All Atlantic Benefits receiving the largest share.
Is Atlantic Coast Enterprises, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Zurich American).
How does Atlantic Coast Enterprises, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Atlantic Coast Enterprises, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
Send the full findings to your inbox.
A specialist writes up every finding for Atlantic Coast Enterprises, LLC with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.