| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD STREET FLOOR 2 N MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $928 | — | $928 | 2.77% |
| HEALTHBASE SOLUTIONS, INC.3 Filed as: HEALTHBASE SOLUTIONS, INC | 240 E 86TH ST APT 17M NEW YORK, NY 10028 | BLUE CROSS BLUE SHIELD OF FLORIDA | $746 | — | $746 | 2.23% |
| HEALTHBASE SOLUTIONS, INC.3 | 240 E 86TH STREET APT 17M NEW YORK, NY 10028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.61% |
| 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 | $1K | — | $1K | 3.39% |
| 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 | $2K | — | $2K | 10.44% |
| HEALTHBASE SOLUTIONS, INC.3 | 240 E 86TH ST APT 17M NEW YORK, NY 10028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.56% |
| 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 | $1K | — | $1K | 10.19% |
| HEALTHBASE SOLUTIONS, INC.3 | 240 E 86TH STREET APT 17M NEW YORK, NY 10028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.81% |
| 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 | $1K | — | $1K | 10.59% |
| HEALTHBASE SOLUTIONS, INC.3 | 240 E 86TH ST APT 17M NEW YORK, NY 10028 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.41% |
| HEALTHBASE SOLUTIONS, INC.3 | 240 E 86TH STREET #17M NEW YORK, NY 10028 | EYEMED | $482 | — | $482 | 4.65% |
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 | 70 | 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) | 70 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 10 | $33K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $32K |
| Vision | EYEMED | 147 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 10 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.