| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $64K | $71K | 6.26% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $756 | $0 | $756 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.98% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH STREET CORAL SPRINGS, FL 33071 | AFLAC | $620 | $609 | $1K | 6.27% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A. SAPZNIK | 1100 NE 163 ROAD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AFLAC | $858 | $0 | $858 | 4.38% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | AFLAC | $513 | $186 | $699 | 3.57% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $148 | $138 | $286 | 1.46% |
| CORA IVELSIE JOURNEY3 | 9211 NW 18TH STREET CORAL SPRINGS, FL 33071 | AFLAC | $29 | $43 | $72 | 4.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A. SAPZNIK | 1100 NE 163RD ROAD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AFLAC | $44 | $0 | $44 | 3.05% |
| MARIA CARDENAL3 | 10301 SW 98TH AVENUE MIAMI, FL 33176 | AFLAC | $28 | $15 | $43 | 2.98% |
| EILEEN SANCHEZ MEDINA3 | 5790 SW 51ST STREET MIAMI, FL 33155 | AFLAC | $9 | $11 | $20 | 1.39% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $52K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.1M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.