| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV USA | 10940 WHITE ROCK RD FL 2 RANCHO CORDOVA, CA 95670 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | $39K | $760 | $39K | 4.68% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM INS | 300 FIRST AVE S FL 5 ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | $7K | — | $7K | 0.85% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | BLUE CROSS BLUE SHIELD OF TEXAS | $37K | — | $37K | 5.40% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 0.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK & ASSOCIATES INC | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | COVENTRY HEALTH CARE OF FLORIDA INC | $29K | — | $29K | 4.82% |
| CHRISJE MAYS3 | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | COVENTRY HEALTH CARE OF FLORIDA INC | $6K | — | $6K | 0.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W VEVA 16 STE 3 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $19K | — | $19K | 4.19% |
| BENEFIT CONCEPT INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $4K | $11K | 14.52% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | UNION SECURITY INSURANCE COMPANY | $11K | $2K | $13K | 34.46% |
| THE SOUTHERN REGION LLC3 | LAKE OSPREY DR FL 3 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 14.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.99% |
| INSGROUP INC3 Filed as: OCEANS INSURANCE GROUP USA INC | 16275 SW 88TH ST STE 327 MIAMI, FL 33196 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK & ASSOCIATES INC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | COVENTRY HEALTH & LIFE | $1K | — | $1K | 4.96% |
| CHRISJE MAYS3 | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | COVENTRY HEALTH & LIFE | $257 | — | $257 | 1.02% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $6K | $14K | 60.91% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 ST FL 2 N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $871 | $5K | 23.96% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 57.38% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 770435003 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $2K | $4K | 25.22% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR FL 3 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $330 | $3K | 22.88% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 51.02% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 60.88% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR FL 3 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $817 | — | $817 | 10.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE LIST | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $97 | $3K | 36.23% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $578 | $2K | 28.28% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCS LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $216 | $1K | 23.67% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVE STE 703 NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $449 | $86 | $535 | 17.87% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR FL 3 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $310 | — | $310 | 14.96% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $207 | — | $207 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVCS USA INC | 10940 WHITE ROCK RD FL 2 RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | $12 | $167 | 10.80% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS INC | $976 | $481 | $1K | 110.46% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY FL 3 SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1 | — | $1 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1 | — | $1 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | — |
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 | 887 | 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) | 887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 164 | $2.7M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 225 | $919K |
| Vision(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 225 | $1.3M |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 157 | $123K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 164 | $1.3M |
| Other(14 contracts, 6 carriers) | UNION SECURITY INSURANCE COMPANY | 82 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.