| 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 | $72K | — | $72K | 6.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMORE RD HOUSTON, TX 77043 | BLUE CROSS BLUE SHIELD OF TEXAS | $37K | — | $37K | 5.27% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 ST PETERSBURG, FL 33701 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | — | $6K | 0.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $8K | $21K | 4.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $5K | — | $5K | 2.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-ROSEVILLE | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $4K | — | $4K | 2.13% |
| WALLACE WELCH & WILLINGHAM INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $12 | $18K | 17.35% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 11.37% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 9.23% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| OLINA REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $5K | $15K | 16.54% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.57% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $609 | $609 | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | WESTERN HEALTH ADVANTAGE | $4K | — | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | PREMIER ACCESS INSURANCE COMPANY | $5K | — | $5K | 6.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL DBA TEVIS INS SOL | 970 RESERVE DRIVE #200 ROSEVILLE, CA 95678 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | HEALTH OPTIONS | $3K | — | $3K | 6.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 12.51% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE SUITE 403 PURCHASE, NY 10577 | SOLSTICE HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 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 | $6K | $1K | $8K | 24.36% |
| 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 | $3K | $670 | $4K | 23.92% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 14.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| STEMLER'S INS AGENCY INC3 | 228 BROOKHOLLOW DR OLD HICKORY, CA 37138 | UNION SECURITY INSURANCE COMPANY | $300 | — | $300 | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICE INC | PO BOX 2158 RIVERSIDE, CA 92516 | UNION SECURITY INSURANCE COMPANY | $218 | — | $218 | 2.06% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS INC | $1K | $607 | $2K | 16.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 3440 WALNUT BLD A FL 2 FREMONT, CA 94538 | EYEMED | $422 | — | $422 | 5.06% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | EYEMED | $342 | — | $342 | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3440 WALNUT BLD FL 2 FREMONT, CA 94538 | EYEMED | $59 | — | $59 | 0.71% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 14.49% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $778 | — | $778 | 9.99% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER'S INSURANCE AGENCY | 900 HOWE AVE STE 200 SACRAMENTO, CA 95825 | VISION SERVICE PLAN | $279 | — | $279 | 6.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $148 | — | $148 | 3.46% |
| STEMLER'S INSURANCE AGENCY INC3 | — | UDC DENTAL OF CALIFORNIA, INC | $81 | — | $81 | 3.77% |
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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 168 | $3.1M |
| Dental(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $316K |
| Vision(7 contracts, 6 carriers) | INDEPENDENCE BLUE CROSS | 296 | $656K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 664 | $103K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $100K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $31K |
| Prescription drug(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 48 | $735K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 664 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.