| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK & ASSOCIATES, INC | 1100 NE 163RD STREET 2ND FLR N MIAMI BEACH, FL 33162 | COVENTRY HEALTH CARE OF FLORIDA INC | $63K | — | $63K | 5.57% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV USA | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | $41K | $725 | $42K | 5.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE SUITE 215 PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $25K | — | $25K | 6.19% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.48% |
| BENEFIT CONCEPT INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.86% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY BLDG 2 W LAKE HILLS, TX 787466446 | PRINCIPAL LIFE INSURANCE COMPANY | — | $465 | $465 | 0.66% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK & ASSOCIATES INC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | COVENTRY HEALTH & LIFE | $2K | — | $2K | 4.21% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | $615 | $7K | 27.16% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | $8K | $2K | $11K | 40.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 22.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS INC | $2K | $250 | $2K | 11.57% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $389 | $5K | 34.66% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 58.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 22.25% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 63.92% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 55.54% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $27 | $3K | 39.37% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 58.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCS LLC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $734 | $3K | 55.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA INC | 10940 WHITE ROCK RD 2ND FLOOR RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | $22 | $311 | 10.78% |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | COVENTRY HEALTH CARE OF FLORIDA INC | 249 | $2.3M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 256 | $930K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 256 | $845K |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $105K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $19K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 148 | $1.2M |
| Other(12 contracts, 5 carriers) | AFLAC | 129 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.