| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $6K | $30K | 7.23% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $72 | $4K | 0.96% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE COMPANY | $14K | — | $14K | 6.67% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY | $8K | — | $8K | 3.93% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD SUITE 465 HOLLYWOOD, FL 33021 | TRANSAMERICA INSURANCE COMPANY | $5K | — | $5K | 2.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 N MIAMI, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $858 | $4K | 10.88% |
| ALL ATLANTIC BENEFITS LLC3 Filed as: ALL ATLANTIC BENEFITS | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $577 | — | $577 | 1.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $217K |
| ALL ATLANTIC BENEFITS LLC EIN 84-4210940 BROKER | Other commissions Service code 55 | 3440 HOLLYWOOD BLVD, SUITE 465 HOLLYWOOD, FL 33021 | $78K |
| AMG BRICKELL INC BROKER | Other commissions Service code 55 | 1111 PARK CENTRE BLVD #401 MIAMI, FL 33169 | $46K |
| SAPOZNIK INSURANCE & ASSOCIATES LLC BROKER | Other commissions Service code 55 | 1100 NE 163RD STREET2ND FL NORTH MIAMI BEACH, FL 33162 | $39K |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $452K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,119 | $416K |
| Other | TRANSAMERICA INSURANCE COMPANY | 414 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,119 | — |
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.