| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN TOLAN3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 330216940 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | — | $75K | 9.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $6K | $35K | 4.54% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD STEET NORTH MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $3K | $28K | 3.58% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 2.99% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 200 S PARK RD, STE. 475 HOLLYWOOD, FL 33021 | WELLNET | $145K | — | $145K | 30.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES, LL | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | WELLNET | $48K | — | $48K | 10.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET EIN 90-0135021 ADMIN FEES | Contract Administrator; Plan Administrator; Claims processing Service code 12 | 900 NORTHBROOK DRIVE STE. 310 TREVOSE, PA 19053 | $325K |
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 | 1,309 | 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) | 1,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLNET | 563 | $477K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Stop-loss / reinsurancereinsurance | WELLNET | 563 | $477K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,230 | $782K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,230 | — |
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.
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.