| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $34K | $37K | 3.96% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $28K | $31K | 3.28% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $920 | $5K | 8.08% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | $359 | $2K | 2.52% |
| SELDEN BEATTIE BENEFIT ADVISORS3 Filed as: SELDEN BEATTIE BENEFIT ADVISORS INC | 3150 SW 38TH AVENUE, 9TH FLOOR CORAL GABLES, FL 33146 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $134 | $2K | 2.43% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $791 | $67 | $858 | 1.27% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B AND B INSURANCE SOLUTIONS INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 14.72% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOC. INC. | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $687 | $7K | 10.76% |
| EM ESPINOZA-WEEKS AND OTHER AGENTS3 | 802 CYPRUS GROVE LANE 504 POMPANO BEACH, FL 33069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $555 | $5K | 8.01% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $933 | $3K | 4.24% |
| ANGELICA MASELLI3 Filed as: ANGELICA MASSELI | 1900 SW 8TH MIAMI, FL 33135 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $717 | $0 | $717 | 1.14% |
| LUC JOSEPH3 | 548 NW 51ST STREET MIAMI, FL 33127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $54 | $635 | 1.01% |
| GLADYS GONZALEZ3 Filed as: GLADYS GONZALES | 1690 MISTY LAKE DRIVE FLEMING ISLAND, FL 32003 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $431 | $0 | $431 | 0.69% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $937K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $937K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $937K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $937K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 122 | $63K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 122 | $63K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $937K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.