| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 N.E. 163RD ST NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $78K | $85K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $40K | $47K | 2.62% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6K | $15K | 12.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 232302131 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $726 | $726 | 0.62% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.34% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $943 | — | $943 | 2.75% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 4.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $796 | — | $796 | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $561 | — | $561 | 5.53% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $498 | — | $498 | 4.91% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $351 | — | $351 | 3.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $311 | — | $311 | 3.07% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $416 | — | $416 | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9850 NW 41ST STREET STE 100 MIAMI, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $372 | — | $372 | 4.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $329 | — | $329 | 4.14% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $232 | — | $232 | 2.92% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | SAFEGAURD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $309 | $309 | — |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 415 | $1.8M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 415 | $1.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 489 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $118K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $118K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $118K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.