Form 5500 · Employee benefit plan · FORT LAUDERDALE, FL
ATLANTIC COAST ENTERPRISES, LLC
The filing calls this plan ATLANTIC COAST ENTERPRISES, LLC EMPLOYEE WELFARE BENEFIT PLAN.
ATLANTIC COAST ENTERPRISES, LLC of FORT LAUDERDALE, FL insures health, dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ALL ATLANTIC BENEFITS LLC. Coverage is written through ZURICH AMERICAN INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-2271748 · plan 501 · plan year 2025, filed Jan 28, 2026
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282 other employer plans in Florida have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 11 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with ZURICH AMERICAN INSURANCE COMPANY, covers 213 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $718,870, with $57,150 in disclosed broker commissions — about 7.9% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ALL ATLANTIC BENEFITS LLC is the broker of record on 9 of the 11 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life | 645 | Jul 1, 2025 | $243,665 | $35,444 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 224 | Jul 1, 2025 | $44,883 | $6,732 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 224 | Jul 1, 2025 | $30,334 | $4,551 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 39 | Jul 1, 2025 | $17,043 | $3,408 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 55 | Jul 1, 2025 | $11,554 | $2,311 |
| MEDICAL AIR SERVICES ASSOCIATION OF FLORIDA, INC. | — | 45 | Jul 1, 2025 | $11,382 | $1,439 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 25 | Jul 1, 2025 | $8,662 | $1,299 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 69 | Jul 1, 2025 | $10,032 | $1,003 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 39 | Jul 1, 2025 | $9,630 | $963 |
| ZURICH AMERICAN INSURANCE COMPANY | Health, Stop-loss | 213 | Jul 1, 2025 | $331,471 | $0 |
| PAN-AMERICAN LIFE INSURANCE COMPANY | Life | 165 | Jul 1, 2025 | $214 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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