| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $1K | $1K | 0.16% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | — | $44K | 6.00% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TX | $37K | — | $37K | 5.68% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | BLUECROSS BLUESHIELD OF TX | $7K | — | $7K | 1.01% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | HUMANA MEDICAL PLAN, INC. | $16K | $2K | $17K | 4.04% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | HUMANA MEDICAL PLAN, INC. | $5K | — | $5K | 1.23% |
| WALLACE WELCH & WILLINGHAM INC3 | — | HUMANA MEDICAL PLAN, INC. | $5K | — | $5K | 1.23% |
| INSURANCE REWARDS OF FLORIDA, INC.3 | 10892 CRESCENDO CIR BOCA RATON, FL 33498 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-ROSEVILLE | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $11K | — | $11K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 33701 | SUTTER HEALTH PLAN | $3K | — | $3K | 1.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 10.83% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $238 | — | $238 | 0.26% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 10.83% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $238 | — | $238 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | WESTERN HEALTH ADVANTAGE | $4K | — | $4K | 5.00% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $41 | $15K | 18.57% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 13.28% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.24% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 1.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 7.32% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.09% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWL BL W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $438 | $438 | 0.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | HEALTH OPTIONS, INC. | $3K | — | $3K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $620 | $7K | 16.57% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | HUMANA INSURANCE COMPANY | $3K | $749 | $4K | 11.44% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET MIAMI, FL 33162 | HUMANA INSURANCE COMPANY | $959 | $250 | $1K | 3.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | — | $1K | 5.94% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $269 | $3K | 16.68% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $834 | — | $834 | 4.90% |
| INSURANCE REWARDS OF FLORIDA, INC.3 | 10892 CRESCENDO CIR BOCA RATON, FL 33498 | HEALTH OPTIONS, INC. | $956 | — | $956 | 6.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 11.22% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 331624525 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $470 | — | $470 | 4.70% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $453 | — | $453 | 4.53% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $909 | — | $909 | 11.57% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $399 | — | $399 | 5.08% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $333 | — | $333 | 4.24% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS INC., A FLORIDA CORPORATION | $595 | $203 | $798 | 10.35% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS INC., A FLORIDA CORPORATION | $127 | — | $127 | 1.65% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | COMPBENEFITS COMPANY | $254 | $189 | $443 | 16.14% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | COMPBENEFITS COMPANY | $85 | $63 | $148 | 5.39% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16 | — | $16 | 8.29% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12 | — | $12 | 6.22% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 331624525 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5 | — | $5 | 2.59% |
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 | 721 | 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) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 166 | $3.3M |
| Dental(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $330K |
| Vision(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $280K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $81K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $41K |
| Prescription drug(3 contracts, 2 carriers) | SUTTER HEALTH PLAN | 45 | $278K |
| Other(11 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 721 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.