| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 9.01% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.00% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 10.93% |
| WORKSITE BENEFITS SOLUTION LLC3 Filed as: WORKSITE AMERICA LLC | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $937 | $278 | $1K | 2.02% |
| COMPASS FINANCIAL PARTNERS INC3 | 5512 REFLECTIONS BLVD LUTZ, FL 33558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $881 | — | $881 | 1.46% |
| PATRICIA M CARDUCCI3 Filed as: PATRICIA M COLLINS | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | $229 | $878 | 1.46% |
| SHELBY GROUP INC3 | 1009 PARK DRIVE DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $19 | $598 | 0.99% |
| RICHARD LEWIS SOLLNER3 | 2645 S DUNDEE ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $62 | $294 | 0.49% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.47% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $7 | $192 | 0.32% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.29% |
| EMILY GRIFFIN3 | 7315 APPPLETON AVE RAYTOWN, MO 64133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $73 | $176 | 0.29% |
| CYNTHIA LERNER RUBIN3 | 445 DOCKSIDE DR NAPLES, FL 34110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $2 | $112 | 0.19% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $9 | $105 | 0.17% |
| VIVIAN LORENA CLIFTON3 | 812 HANCOCK ST SALINA, KS 67401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $2 | $86 | 0.14% |
| CHRISTINE GEISLER3 | 1433 EAST MEADOW LANE OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $3 | $85 | 0.14% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 | 88 VILLA RD GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $30 | $82 | 0.14% |
| FRANK M KING IV3 | 9605 W 115TH TER OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $69 | $78 | 0.13% |
| BRENDA GEISLER-MURPHY3 | 2939 PINEWOOD RUN PALM HARBOR, FL 34684 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.09% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $31 | $49 | 0.08% |
| JONATHAN OVERACRE3 | 10550 BARKLEY ST OVERLAND PARK, KS 66212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $16 | $25 | 0.04% |
| JASON BRINK3 Filed as: JASON BRINK LLC | 1931 LAKEHURST DR ST. LOUIS, MO 63146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 0.04% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.03% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD FORT MYERS, FL 33912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| L-H-R AND COMPNAY3 | 1842 41ST TERRACE SW NAPLES, FL 34116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| SUSANNE PAPA3 | 4750 STONEVIEW CIRCLE OLD SMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LAURA ELIZABETH RUSHING3 | 1708 ROLLING ROCK RD RAYMORE, MO 64083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| TANYA MIRIAM KAKON3 | 98 ABALONE LANE EAST PONTE VEDRA BEACH, FL 32082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET MIAMI, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 100.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $519 | $4K | 14.86% |
| WORLD INS ASSOC LLC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $557 | — | $557 | 2.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $442 | $3K | 14.71% |
| WORLD INS ASSOC LLC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $506 | — | $506 | 2.34% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $296 | $2K | 15.22% |
| WORLD INS ASSOC LLC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 1.73% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $44K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 316 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $49K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $15K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 220 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.