| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOC., LLC | 1100 NORTHEAST 163 STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $19K | $54K | 10.69% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS. ASSOC, LLC | 1100 NORTHEAST 163 STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $15K | $45K | 8.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 201629 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.29% |
| HOWES, INC.3 Filed as: HOWES INC | 2461 WEST SR 426, SUITE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.41% |
| SPOZNIK INSURANCE AND ASSOCIATES3 | 1100 NORTHEAST 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $8K | $27K | 5.91% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.19% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOC., LLC | 1100 NORTHEAST 163RD STREET 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P O BOX 201629 DALLAS, TX 75320 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.67% |
| GROUP BENEFIT CONCEPTS INC3 Filed as: GROUP BENEFIT CONCEPTS, INC. | 428 NORTHEAST 17 WAY FORT LAUDERDALE, FL 33301 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NORTHEAST 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $5K | $3K | $7K | 6.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 75320 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $438 | $0 | $438 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $88 | $88 | 0.08% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.22% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOC., LLC | 1100 NORTHEAST 163RD STREET 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P O BOX 201629 DALLAS, TX 75320 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $299 | $0 | $299 | 0.87% |
| JESSICA C BRYANT3 Filed as: JESSICA C. BRYANT AND VARIOUS AGENT | 1464 KINGS DOWN CIRCLE DUNWOODY, GA 30338 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $8K | $20K | 58.89% |
| ANDREA BROWNING3 | 145 19TH AVENUE SOUTHEAST ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $719 | $2K | 6.13% |
| DOREEN REESE & ASSOCIATES LLC3 Filed as: DOREEN REESE AND ASSOCIATES, LLC | 925 MAIN STREET STONE MOUNTAIN, GA 30083 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $69 | $502 | 1.49% |
| DORIS M KERCHNER3 Filed as: DORIS M. KERCHNER | 1875 KERRY CREEK DRIVE MARIETTA, GA 30066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | $34 | $322 | 0.95% |
| KID INSURANCE BENEFITS INC3 Filed as: KID INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $150 | $272 | 0.81% |
| MELISSA L GEORGE & ASSOCIATES LLC3 Filed as: MELISSA L. GEORGE AND ASSOCIATES | 1514 CLEVELAND AVENUE ATLANTA, GA 30344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $7 | $84 | 0.25% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $9 | $37 | 0.11% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOC., LLC | 1100 NORTHEAST 163RD STREET 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.26% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.54% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $920 | $0 | $920 | 7.18% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOC., LLC | 1100 NORTHEAST 163RD STREET 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $838 | $0 | $838 | 6.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P O BOX 201629 DALLAS, TX 75320 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $162 | $0 | $162 | 1.26% |
| MJ INSURANCE3 Filed as: WAYNE RIMMER AND VARIOUS AGENTS | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 43.62% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $689 | $41 | $730 | 7.86% |
| ANDREA BROWNING3 | 145 19TH AVENUE SOUTHEAST ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | $198 | $569 | 6.12% |
| STEVEN M MAMICK3 Filed as: STEVEN M. MAMICK | 1127 FIRESIDE TRAIL BROADVIEW HTS, OH 44147 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $12 | $367 | 3.95% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $325 | $29 | $354 | 3.81% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BNFT SOLUTIONS | 8490 MALLARD COURT PLAIN CITY, OH 43064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $8 | $110 | 1.18% |
| JAMES M EANES3 Filed as: JAMES M. EANES | 1700 EAST JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $3 | $29 | 0.31% |
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 | 1,093 | 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) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,203 | $8.3M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,203 | $8.5M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,203 | $7.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 787 | $507K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 787 | $507K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 787 | $507K |
| Prescription drug(5 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,203 | $8.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 787 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.