| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | $0 | $56K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET MIAMI, FL 33162 | HEALTH OPTIONS, INC. | $41K | $0 | $41K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $9K | $43K | 18.44% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI, FL 33162 | AETNA | $0 | $0 | $0 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FLOOR 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.66% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FLOOR 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FLOOR 2 NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $366 | $2K | 16.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST FLOOR 2 MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $747 | $0 | $747 | 9.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $523 | $0 | $523 | 6.99% |
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 | 532 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 529 | $1.8M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $390K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $378K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $233K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $233K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $233K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.