| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | HUMANA MEDICAL PLAN, INC. | $43K | $10K | $53K | 3.70% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | HUMANA MEDICAL PLAN, INC. | $14K | — | $14K | 1.00% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HUMANA MEDICAL PLAN, INC. | $13K | — | $13K | 0.91% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 77043 | BLUECROSS BLUESHIELD OF TX | $46K | $727 | $47K | 4.75% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | BLUECROSS BLUESHIELD OF TX | $8K | — | $8K | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $35K | $27 | $35K | 5.50% |
| 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 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-ROSEVILLE | 970 RESERVE DRIVE STE 200 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $12K | — | $12K | 5.23% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S FL 5 SAINT PETERSBURG, FL 33701 | SUTTER HEALTH PLAN | $2K | — | $2K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 255387 SACRAMENTO, CA 95865 | WESTERN HEALTH ADVANTAGE | $5K | — | $5K | 3.00% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD HOLLYWOOD, FL 33021 | HUMANA INSURANCE COMPANY | $7K | $929 | $8K | 7.17% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET MIAMI, FL 33162 | HUMANA INSURANCE COMPANY | $2K | $57 | $2K | 2.16% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVE S 5TH FL ST PETERSBURG, FL 33701 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| WALLACE WELCH & WILLINGHAM INC3 | PO BOX 33020 SAINT PETERSBURG, FL 33733 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $17 | $16K | 17.51% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| WALLACE WELCH & WILLINGHAM INC3 Filed as: WALLACE WELCH & WILLINGHAM | 300 FIRST AVE SOUTH ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 8.21% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $803 | — | $803 | 0.94% |
| OLINA REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33891 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $21 | $7K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.20% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 9.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INUSRANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| 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 | $2K | $476 | $2K | 6.37% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE RD HOUSTON, TX 770435003 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $675 | $3K | 12.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | — | $1K | 5.78% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| 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 | $760 | $197 | $957 | 6.29% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 9.47% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $765 | — | $765 | 5.98% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 331624525 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $318 | — | $318 | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 970 RESERVE DR STE 200 ROSEVILLE, CA 95678 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $832 | — | $832 | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $194 | $194 | 2.15% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | COMPBENEFITS COMPANY | $585 | $321 | $906 | 11.62% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | COMPBENEFITS COMPANY | $195 | $20 | $215 | 2.76% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $611 | — | $611 | 9.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $386 | — | $386 | 5.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $160 | — | $160 | 2.48% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $48 | — | $48 | 9.56% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK SUITE 475 HOLLYWOOD, FL 33021 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $30 | — | $30 | 5.98% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FL 2 MIAMI, FL 331624525 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $12 | — | $12 | 2.39% |
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 | 720 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HUMANA MEDICAL PLAN, INC. | 190 | $3.5M |
| Dental(5 contracts, 5 carriers) | HUMANA INSURANCE COMPANY | 229 | $220K |
| Vision(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 190 | $149K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 720 | $93K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $35K |
| Prescription drug | SUTTER HEALTH PLAN | 37 | $222K |
| Other(11 contracts, 6 carriers) | HUMANA MEDICAL PLAN, INC. | 720 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.