| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES, IN | 1100 NE 163RD NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.63% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $883 | $441 | $1K | 2.06% |
| MORFAR STRATEGIES INC3 Filed as: MORFAR STRATEGIES, INC. | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $983 | $6 | $989 | 1.54% |
| BURTON M HERRING JR3 Filed as: BURTON M HEARING JR | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $964 | — | $964 | 1.50% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $205 | $658 | 1.03% |
| LISA M RUSSEY3 Filed as: LISA M. RUSSEY | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $3 | $463 | 0.72% |
| KYLE RUSSEY3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $430 | — | $430 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 0.53% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $113 | $320 | 0.50% |
| ROBERT H STONE SR3 | 3604 COVENTRY CIRCLE VESTAVIA HILLS, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $144 | $34 | $178 | 0.28% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $5 | $139 | 0.22% |
| GRACE V NEAD3 Filed as: GRACE V. NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | C/O CHUCK STOUT, EVP DELRAY BEACH, FL 33445 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.15% |
| CHAMBERS AGENCY LLC3 Filed as: CHAMBERS AGENCY LIE | 304 WOODBRIDGE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.11% |
| SUZANNE BRATTON TUCKER3 | PO BOX 22518 LEXINGTON, KY 40515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| ACHIOTE ENTERPRISES INC3 | 37 HENDRICKS ISLE FT. LAUDERDALE, FL 33301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.10% |
| AMY E COHEN3 | 19967 VILLA LANTE PL BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.09% |
| TANA L MAY3 Filed as: TANA L.MAY | 1820 MAY LANE HARRISON, AR 72601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.07% |
| LESLIE ANN FEATHERLY3 | 3022 HELENA RD FLEMMINGSBURG, KY 41041 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.07% |
| MICHAEL GUTIERREZ3 | 29244 SW 142ND PL HOMESTEAD, FL 33033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 0.06% |
| TEKAYLA WORKS3 | 105 E. BROAD ST. TEXARKANA, AR 71854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| LISA R GRAVES3 | 1400 GLENNS CREEK RD FRANKFORT, KY 40601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCIATES LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $240 | $1K | 4.11% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.62% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCIATES LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $236 | $1K | 4.13% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $938 | — | $938 | 3.88% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCIATES LLC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | $176 | $448 | 1.85% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOCIATES LLC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $88 | $88 | 0.73% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | METLIFE LEGAL PLANS OF FLORIDA | $301 | — | $301 | 7.43% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | METLIFE LEGAL PLANS OF FLORIDA | $35 | $116 | $151 | 3.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE &ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | METLIFE LEGAL PLANS OF FLORIDA | $66 | — | $66 | 1.63% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | $474 | $1K | — |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $104 | $313 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | — |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $48 | $155 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | — |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $1 | $108 | — |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS SOLUTIONS | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $35 | $101 | — |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $1 | $71 | — |
| KYLE RUSSEY3 | 11038 MAINSAIL DR HOLLYWOOD, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | — |
| GRACE V NEAD3 | 1015 STATE PARK RD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | — |
| ACHIOTE ENTERPRISES INC3 | 9647 SUGAR PINES CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | — |
| MICHAEL GUTIERREZ3 | 29244 SW 142ND PL HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | — |
| TANA L MAY3 | PO BOX 455 HARRISON, AR 72602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | — |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD CT DAVIE, FL 33328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | — |
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 | 464 | 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) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 638 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 638 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 638 | $2.1M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 464 | $45K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $31K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 464 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.