| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL ABITOL SAPOZNIK | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $289K | — | $289K | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | UNITEDHEALTHCARE INSURANCE COMPANY | $75 | — | $75 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD STEET NORTH MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 12.29% |
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 | 1,041 | 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) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,412 | $6.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,412 | $6.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $446K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $446K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $446K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $446K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.