| 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 | HEALTH OPTIONS | $45K | — | $45K | 6.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $34K | — | $34K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC INC | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.72% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.05% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $428 | $4K | 6.74% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC INC | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $510 | $4K | 13.38% |
| WORLD INS ASSOC LLC3 | POBOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.16% |
| 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 | $3K | — | $3K | 8.97% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC INC | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $239 | $2K | 13.52% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56 | $56 | 0.97% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | $76 | $689 | 13.61% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $400 | — | $400 | 7.90% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 84 | $1.3M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $61K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY - EYEMED | 138 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 221 | $72K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $33K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 84 | $1.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 221 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.