| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 26.12% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIC INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 26.17% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.41% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.31% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNICK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $109K | $109K | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNICK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $601 | $0 | $601 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $384 | $0 | $384 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 100NE 162RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNE DENTAL HEALTH OF ILLINOIS, INC. | $37 | $0 | $37 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $16 | $0 | $16 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR N MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $0 |
| Dental(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $0 |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 288 | $55K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.