| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOCIATES INC. | 1100 NE 163RD ST FL2 NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | — | $155K | 17.41% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33023 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $5K | $39K | 22.88% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ACCOS INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 22.82% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $4K | $34K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $842K |
| SAPOZNIK INS & ASSOC INC EIN 65-0086146 BROKER | Other commissions Service code 55 | 1100 NE 163RD STREET 2ND FLOOR NMB, FL 33162 | $0 |
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 | 1,878 | 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) | 1,878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,878 | $0 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 704 | $169K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 597 | $102K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,535 | $889K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,878 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,878 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.