| 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 | HUMANA MEDICAL PLAN, INC. | $28K | — | $28K | 3.89% |
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVE STE 20 TINTON FALLS, NJ 07701 | HUMANA MEDICAL PLAN, INC. | $15K | — | $15K | 2.11% |
| 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 | $11K | $2K | $13K | 23.27% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $6K | — | $6K | 16.51% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | — | $5K | 11.63% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $4K | — | $4K | 9.08% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $1K | — | $1K | 2.91% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $765 | — | $765 | 1.96% |
| 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 | 23.34% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $963 | $3K | 8.79% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $679 | $2K | 6.21% |
| 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 | $515 | $4K | 23.33% |
| 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 | $425 | $3K | 23.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $481 | — | $481 | 5.61% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $376 | — | $376 | 4.39% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $465 | — | $465 | 5.79% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $338 | — | $338 | 4.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $439 | — | $439 | 15.60% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $220 | — | $220 | 7.82% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $216 | — | $216 | 7.67% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $55 | — | $55 | 1.95% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $55 | — | $55 | 1.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $49 | — | $49 | 16.61% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $37 | — | $37 | 12.54% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $36 | — | $36 | 12.20% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $9 | — | $9 | 3.05% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $7 | — | $7 | 2.37% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 104 | $759K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $41K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $56K |
| Other(4 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 163 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.