| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 STREET MIAMI, FL 33162 | HEALTH OPTIONS | $44K | — | $44K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES, IN | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 3.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $5K | — | $5K | 7.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 9.23% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 6.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $4K | — | $4K | 10.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $713 | $7K | 22.19% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $568 | $6K | 21.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATE | 1100 NE 163RD STREET 2ND FLR NORTH MIAMI BEACH, FL 33162 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $256 | — | $256 | 10.24% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 178 | $1.7M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 179 | $73K |
| Vision | HM LIFE INSURANCE COMPANY | 221 | $21K |
| Life insurance | FLORIDA COMBINED LIFE | 385 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 67 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 178 | $1.7M |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 385 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.