| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD SUITE 465 HOLLYWOOD, FL 330210000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 5.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 1.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 7.43% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS, LLC. | 200 S PARK RD, SUITE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $922 | $3K | 6.91% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $460 | $2K | 6.88% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $952 | $299 | $1K | 6.57% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $851 | $332 | $1K | 6.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF FLORIDA INC. | $612 | — | $612 | 7.50% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF FLORIDA INC. | $204 | — | $204 | 2.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF NEW JERSEY INC. | $73 | — | $73 | 7.46% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF NEW JERSEY INC. | $24 | — | $24 | 2.45% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF VIRGINIA | $27 | — | $27 | 7.36% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF VIRGINIA | $9 | — | $9 | 2.45% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF TEXAS INC. | $16 | — | $16 | 7.48% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF TEXAS INC. | $5 | — | $5 | 2.34% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTHCARE OF CONNECTICUT | $11 | — | $11 | 7.19% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTINC BENEFITS LLC | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA HEALTHCARE OF CONNECTICUT | $4 | — | $4 | 2.61% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF PENSNSYLVANIA INC. | $7 | — | $7 | 7.61% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF PENSNSYLVANIA INC. | $2 | — | $2 | 2.17% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF KANSAS | $5 | — | $5 | 8.20% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | CIGNA DENTAL HEALTH OF KANSAS | $2 | — | $2 | 3.28% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.2M |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $77K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $48K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
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.