| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK & ASSOCIATES INC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $74K | — | $74K | 6.00% |
| 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 | $33K | $760 | $34K | 4.20% |
| 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% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER INSURANCE AGENCY | 900 HOWE AVENUE STE 220 SACRAMENTO, CA 95825 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | $380 | — | $380 | 0.05% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | BLUE CROSS BLUE SHIELD OF TEXAS | $27K | $5K | $32K | 4.84% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | $4 | $6K | 0.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $20K | $5K | $25K | 5.52% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 ST. PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $10 | $20K | 9.79% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 5.79% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1061 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 11.78% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 10.49% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33981 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| OLINA REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BENEFIT CONCEPT INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CALIFORNIA INSURANCE | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 9.42% |
| 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 | $9K | $4K | $13K | 26.40% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE SUITE 403 PURCHASE, NY 10577 | SOLSTICE HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS INC | $1K | $477 | $2K | 14.52% |
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 | 851 | 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) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 138 | $1.9M |
| Dental(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 848 | $1.2M |
| Vision(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 848 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $366K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $49K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 173 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
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.