| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INS ASSOC LLC3 Filed as: WORLD INS. ASSOC LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | UNITED HEALTHCARE INSURANCE COMPANY | — | $73K | $73K | 4.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.51% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 23.83% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.32% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 088302716 | HUMANA INSURANCE COMPANY | $426 | — | $426 | 0.79% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST N MIAMI BEACH, FL 33162 | COMPBENEFITS COMPANY | $2K | — | $2K | 4.09% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 088302716 | COMPBENEFITS COMPANY | $462 | — | $462 | 0.88% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 23.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.81% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 23.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 8.38% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FLOOR ISELIN, NJ 088302716 | HUMANA INSURANCE COMPANY | $257 | — | $257 | 1.72% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $539 | $3K | 23.97% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 363 | $1.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 114 | $106K |
| Vision | HUMANA INSURANCE COMPANY | 121 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $80K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $84K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.