| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC | 1100 NE 163RD STREET SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE CO. | $147K | $158 | $147K | 4.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANS CONN TLIC | $72K | — | $72K | 8.89% |
| EXCELSIOR BENEFITS LLC | 23505 SMITHOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANS CONN TLIC | $32K | — | $32K | 3.95% |
| SUMMERLIN BENEFITS CONSULTING INC. Filed as: SUMMERLIN BENEFITS CONSULTING GROUP | PO BOX 1536 CALLAHAN, FL 32011 | TRANS CONN TLIC | $578 | — | $578 | 0.07% |
| ENROLLMENT FIRST INC | 6712 DEAN HILL DRIVE C/O B MIRTS KNOXVILLE, TN 37919 | TRANS CONN TLIC | $428 | — | $428 | 0.05% |
| THE J G & A BENEFITS GROUP Filed as: THE JG&A BENEFITS GROUP | PO BOX 600160 JACKSONVILLE, FL 32260 | TRANS CONN TLIC | — | — | $0 | 0.00% |
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 | 774 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 774 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.