| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA HEALTH, INC. | $71K | $13K | $84K | 6.87% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.91% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.95% |
| MCKINLEY FINANCIAL SERVICES, INC.3 Filed as: MCKINLEY FINANCIAL SERVICES INC | 1541 W CYPRESS CREEK RD #300 FORT LAUDERDALE, FL 33309 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCKINLEY FINANCIAL SERVICES, INC.3 Filed as: MCKINLEY FINANCIAL SERVICES INC | 1541 W CYPRESS CREEK RD #300 FORT LAUDERDALE, FL 33309 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.98% |
| MCKINLEY FINANCIAL SERVICES, INC.3 Filed as: MCKINLEY FINANCIAL SERVICES INC | 1541 W CYPRESS CREEK RD #300 FORT LAUDERDALE, FL 33309 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.73% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 77 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 135 | $42K |
| Short-term disability | STANDARD INSURANCE COMPANY | 138 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $58K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 153 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.