| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 6.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 6.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 23.92% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.83% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET N MIAMI BEACH, FL 331624515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $523 | $3K | 23.85% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 331624515 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $459 | $3K | 23.85% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $296 | $1K | 12.81% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 50 | $664K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $52K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $50K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 50 | $664K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.