| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR N MIAMI BEACH, FL 33162 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 9.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.98% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $311 | $16K | 10.66% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 6.90% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $823 | $4K | 2.56% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $630 | $3K | 1.85% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $87 | $1K | 0.92% |
| THE FAMILY INSURANCE DISCOUNT3 | 8179 NW 8 ST APT B7 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $917 | $267 | $1K | 0.79% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $947 | $181 | $1K | 0.75% |
| MARIELENA HERRERA3 | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $237 | $895 | 0.60% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $856 | $19 | $875 | 0.59% |
| JOSE H MUNGARRIETA3 | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $567 | $208 | $775 | 0.52% |
| LIZBETH RAMON3 | 15242 SW 161 ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $668 | $90 | $758 | 0.51% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $34 | $513 | 0.34% |
| SANDRA MARIA ALVAREZ SR3 | 13910 SW 158 TERR MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $81 | $481 | 0.32% |
| MIGUEL ANGEL HURTADO3 | 1567 SE 20TH PL HOMESTEAD, FL 33035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | — | $438 | 0.29% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $5 | $304 | 0.20% |
| ALBERT SIDO3 | 2201 SW 42ND TERRACE FORT LAUDERDALE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 0.19% |
| JASON HARRY BROCKENBERRY3 | 1580 W 53 STREET HIALEAH, FL 33012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $15 | $260 | 0.17% |
| GREGORIO R UGAZ3 | 6441 SW 116TH CT APT G MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $51 | $240 | 0.16% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MNR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $141 | $238 | 0.16% |
| FRANKLIN RENE SANTANA3 | 15902 SW 95TH AVE APT 306W MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.09% |
| EM FINANCIAL SERVICES LLC3 | 13500 SW 88TH STREET STE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $7 | $109 | 0.07% |
| LUIS PERLISH3 | 8841 FROUDE AVENUE SURFSIDE, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.06% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.06% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.05% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.05% |
| JORGE E MARTINEZ3 | 2030 S OCEAN DR HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| LOURDES JOSSELIN IZAGUIRRE3 | 9740 BAHAMA DRIVE CUTLER BAY, FL 33189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| EMANUEL JULIAN ASURZA3 | 13500 SW 88TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 0.02% |
| KYLE RUSSEY3 | 14385 NW 15TH ST PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| SUFINANZA INSURANCE AND FINANCIAL S3 | 3351 NW 85TH AVE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVE MIAMI, FL 33135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ERLANDE MICHEL3 | 3629 INZERRAY BLVD LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 141916 CORAL GABLES, FL 33114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| JANET IBANEZ3 | 10205 SW 130 LANE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| MIS BENEFITS CONSULTANTS INC3 | 2663 RIO DE JANEIRO AVE COOPER CITY, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ADVANCED AGENTS INC3 | 1488 CORONADO RD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVENUE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $10K | 9.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $979 | $10K | 13.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.64% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $742 | $7K | 13.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $557 | $5K | 13.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $992 | — | $992 | 2.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $308 | $2K | 9.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $359 | — | $359 | 1.78% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $107 | $1K | 8.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275 | — | $275 | 1.82% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $120 | $1K | 13.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 5727 FORT LAUDERDALE, FL 33310 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $229 | — | $229 | 2.63% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $127K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $51K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 461 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.