| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $20K | $71K | 21.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $10K | $42K | 19.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $1K | $20K | 11.99% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $4K | $12K | 7.11% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $846 | $4K | 2.53% |
| ROBIN L HARRIS3 | 108 LAKE HILTON DRIVE CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $31 | $691 | 0.42% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $139 | $639 | 0.39% |
| GUSTAVO ZAPATA NICHOLLS3 | 9320 FOUNTAINEBLEAU BLVD MIAMI, FL 33172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $138 | $620 | 0.38% |
| CAROLINA REGIONAL INSURANCE3 | PO BOX 8808 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $82 | $544 | 0.33% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $136 | $506 | 0.31% |
| JOSEPH WILLIAM BAKER3 | 12975 SW 190 TERRACE MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | $23 | $492 | 0.30% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $109 | $428 | 0.26% |
| OMS OF NORTHWEST FLORIDA INC3 | 745 WHISPER WOODS DRIVE LAKELAND, FL 33813 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | $54 | $426 | 0.26% |
| GRAEM M CLARK3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $244 | $426 | 0.26% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $62 | $271 | 0.16% |
| HARVEY CLAUDE TIMMER3 | 10725 SW 134 TERRACE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.14% |
| LUIS E MIRANDA3 | 9315 SW 77 AVENUE MIAMI, FL 33156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.14% |
| LUIS E MIRANDA3 | 7440 SW 107 AVE MIAMI, FL 33173 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.14% |
| ADVANCED BENEFIT SYSTEM INC3 | 1301 GERVAIS STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $135 | $225 | 0.14% |
| RICARDO ACEVEDO3 | 15340 SW 111 ST MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $27 | $220 | 0.13% |
| RICHARD LEWIS SOLLNER3 Filed as: RICHARD ANTHONY CALIFANO | 3007 W SAN ISIDRO STREET TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $8 | $202 | 0.12% |
| GRACE V NEAD3 | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $4 | $195 | 0.12% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND M DICKERSON | 109 ROCHESTER ROAD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $2 | $193 | 0.12% |
| JORGE MARTINEZ3 | 2030 S OCEAN DRIVE HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 0.11% |
| DIANNE CHAMBERS3 | 304 WOODBRIDGE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.09% |
| DIANNE CHAMBERS3 | 304 WOODBRIDGE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.09% |
| SANDE LYNN KASKEL3 | 3010 OAKTREE LANE HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $3 | $140 | 0.08% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 3113 W 187TH PLACE TORRANCE, CA 90504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $15 | $118 | 0.07% |
| ROSA SZARF3 | 3330 NE 190 STREET, APT. 1912 AVENTURA, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.06% |
| CHRISTINE LYNN MORGESTER3 | 7609 NE VANCOUVER MALL DRIVE VANCOUVER, WA 98662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $9 | $100 | 0.06% |
| JUAN CARLOS MARTINEZ3 | 15560 SW 115 T ER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $27 | $97 | 0.06% |
| KIMBERLY A ELSEY3 | 1 JAHUE CT LRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $42 | $91 | 0.06% |
| PENELOPE DEAN KENNY3 | 2560 SOUTH OCEAN BLVD 418 PALM BEACH, FL 33480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $6 | $85 | 0.05% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVENUE, SUITE 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $20 | $84 | 0.05% |
| BARBARA C POWELL3 | 8 GLENCOE PLACE DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.05% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $7 | $81 | 0.05% |
| RONALDO Y NUNEZ3 | P.O. BOX 900068 HOMESTEAD, FL 33090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.05% |
| RONALDA Y NUNEZ3 | PO BOX 900068 HOMESTEAD, FL 33090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.05% |
| LAURA MARGARITA EMILIANI3 | 6290 SW 42 TERRACE MIAMI, FL 33155 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.05% |
| MELISSA L SWARTZBAUGH3 | 18343 120TH TERRACE NORTH JUPITER, FL 33478 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $1 | $67 | 0.04% |
| JAMES C HAIR3 | 13833 WELLINGTON TRACE WELLINGTON, FL 33414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $2 | $59 | 0.04% |
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE MARIE STUEMKY | P.O. BOX 5014 BUFFALO CREEK, CO 80425 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $4 | $59 | 0.04% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $48 | $57 | 0.03% |
| DOROTHY MAE GONZALES3 | 10101 WEST SUNRISE BLVD. PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.03% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY ROAD POWHATAN, VA 23139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $5 | $47 | 0.03% |
| ROBERT JOSEPH SPEARMAN3 Filed as: ROBERT J SPEARMAN | P.O. BOX 452143 LOS ANGELES, CA 90045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $2 | $43 | 0.03% |
| CHAUNDRA F MILES-WALKER3 | 11415 NEWGATE CREST DRIVE RIVERVIEW, FL 33579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $13 | $43 | 0.03% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $5 | $42 | 0.03% |
| ASSURANCE AGENCY LTD3 Filed as: INDUSTRY ASSURANCE CONSULTING INC | 6303 BLUE LAGOON DRIVE MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| JAMES MICHAEL ANZA3 | PO BOX 29331 PHILA, PA 19125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $36 | $41 | 0.02% |
| ZUNILDA CONFORTE PA3 | P.O. BOX 3765 HALLANDALE, FL 33008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| CHAMBERS AGENCY LLC3 Filed as: CHAMBERS AGENCY LIE | 304 WOODBRIDGE WAY SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| WILLIAM CHARLES GREENWALD3 | 1321 FIELDBROOK STREET CHULA VISTA, CA 91913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $5 | $35 | 0.02% |
| SUSAN J LEACH3 | 4419 NE 131ST PLACE PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $2 | $35 | 0.02% |
| KATHLEEN WINIFRED CONKLIN3 | 16309 COUNTRY LAKE CIRCLE DELRAY BEACH, FL 33484 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $6 | $32 | 0.02% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $12 | $32 | 0.02% |
| TIMICA GWYNETH ANDERSON3 | 500 NEW 141ST AVENUE, APT. 305 PEMBROKE PINES, FL 33208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| SANDRA LOUISE COOPER3 | 4023 N O'CONNOR ROAD IRVING, TX 92124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| GARY NABORS3 | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $15 | $27 | 0.02% |
| PROFESSIONAL ENROLLMENTS INC3 | 821 KING'S GRANT ST SIMON ISLAND, GA 31522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $5 | $26 | 0.02% |
| KATHLEEN HARDY3 | 5645 56TH WAY WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| KATHLEEN HARDY3 | 5645 56TH WAY WPB, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| ILIANA ANDRADE COMBS3 | 329 NW 13 STREET HOMESTEAD, FL 33030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ANGELA MARCOS3 | 3306 KIRKWOOD DRIVE RAPID CITY, SD 57702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.01% |
| JENNIFER ARRINGTON3 | 107 BELLVIEW DRIVE TAYLORS, SC 29687 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| C AND C BENEFIT COMMUNICATIONS3 | 122 DUPONT DRIVE GREENVILLE, SC 29607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| CHALSEE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $3 | $19 | 0.01% |
| OSAFER LEGAIR3 | 1601 N PALM AVENUE PEMBROKE PINES, FL 33026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| APRIL MECHATTO3 | 5107 OBRYAN AVENUE GULFPORT, MS 39507 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $6 | $17 | 0.01% |
| JOHN D EVANGELISTA3 | 29811 SANTA MARGARITA PARKWAY RANCHO SANTA MARGARITA, FL 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.01% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $7 | $16 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.01% |
| MARK F BARRETT LLC3 | 2712 NORTH JEFFERSON STREET TAMPA, FL 33602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.01% |
| JONATHAN WALLACE3 | 3470 EAST COAST AVENUE MIAMI, FL 33137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GINAKES & ASSOCIATES LLC3 | 1020 WEST INTERNATIONAL SPEED DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $7 | $12 | 0.01% |
| ARIADNE DE BASABE-MACHICHE3 | 1825 KINGSFORD DRIVE CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| JORDANA GROUP INC3 | 12751 ORANGE BLVD WPB, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.01% |
| WILLIAM KYZER3 | P.O. BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.01% |
| KLINGBEIL AND ASSOCIATES INC3 | 180 ALLEN ROAD, SUITE 303N ATLANTA, GA 303284894 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $5 | $8 | 0.00% |
| TRILOGY BENEFITS CONSULTING LLC3 Filed as: TRILOGY BENEFITS CONSULTING LIE | 5908 HAMMOCK WOODS DRIVE ODESSA, FL 33556 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.00% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.00% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| HAD LI ENTERPRISES INCORPORATED3 Filed as: HAD II ENTERPRISES INCORPORATED | 11432 SOUTH STREET, SUITE 303 CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| JAKORP INC3 | 14458 CRESTWOOD AVENUE POWAY, CA 92064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| HECTOR MARTINEZ3 | 843 MALTMAN AVENUE LOS ANGELES, CA 90026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.00% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES LIE | 341 GILLIGAN RD HUDSON, NY 12534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| DAVID L FLEURY3 | C/O COLONIAL SUPPLEMENTAL INSURANCE 545 S WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| VALOR BENEFITS3 | 12125 KOUDEKERK STREET ARTESIA, CA 90701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| ANTIONE T TURNER3 | 1929 B GATES AVENUE REDONDO BEACH, CA 90278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ANZA & ANZA AND ASSOCIATES3 | 579 LANCASTER AVE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| LEROY PHELPS3 | 7467 LYNNBROOK FALLS LANE HUMBLE, TX 77396 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| OPTIO LLC3 | 8547 E ARAPAHOE ROAD GREENWOOD VILLAGE, CO 80112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| ADVANCED PROTECTION INSURANCE GROUP3 | 12540 SW 108 AVENUE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VANESSA N DEAN3 | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAURA H MILLEN3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JUDITH I VIDAL3 Filed as: JUDITH A HEISERMAN | 7220 E EUCLID DRIVE CENTENNIAL, CO 80111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GERALD A SANFTNER3 | 3306 KIRKWOOD DRIVE RAPID CITY, SD 57702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $5K | $23K | 19.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $5K | $21K | 19.85% |
| BENEFITS COMMUNICATION GROUP II3 | 2379 NEWBURY CT WELLINGTON, FL 33414 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FL NBM, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 1.97% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK, RACHEL A | 1100 NE 163RD ST 2ND FL NBM, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.89% |
| WEINGART, JAY ALAN3 | 2379 NEWBURY CT WELLINGTON, FL 33414 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 0.73% |
| SEWELL, TIM E3 | PO BOX 850916 YUKON, OK 73085 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 0.63% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $271 | $5K | 17.19% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.89% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS | 14716 SW 112 TERRACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $692 | $210 | $902 | 5.43% |
| ANDREA BROWNING3 | 145 19TH AVENUE SE ST. PETERSBURG, FL 33705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $341 | $46 | $387 | 2.33% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $107 | $39 | $146 | 0.88% |
| JAMES H CROUTHAMEL3 | P.O. BOX 1148 SOUTHHAMPTON, PA 18966 | THE PAUL REVERE LIFE INSURANCE COMPANY | $108 | $4 | $112 | 0.67% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $108 | $3 | $111 | 0.67% |
| ANZA & ANZA AND ASSOCIATES3 | 579 LANCASTER AVE BERWYN, PA 19312 | THE PAUL REVERE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.39% |
| ETHAN EXELBERT3 | 64 4TH AVENUE BROOKLYN, NY 11217 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.37% |
| JAMES MICHAEL ANZA3 | P.O. BOX 29331 PHILA, PA 19125 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | $14 | $60 | 0.36% |
| RAUL CAIRO JR3 Filed as: RAUL CAIRO JR. | 310 77TH STREET NORTH BERGEN, NJ 07047 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.26% |
| HOWARD P ILEMA3 Filed as: HOWARD PESTANO DILEMA | 55 BROADWAY NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $10 | $20 | 0.12% |
| BRIAN SUMMERS3 | 90 WEST ST NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $18 | $19 | 0.11% |
| LORRAINE RHODES3 | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $6 | $16 | 0.10% |
| APRIL MECHATTO3 | 5107 OBRYAN AVENUE GULFPORT, MS 39507 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $1 | $13 | 0.08% |
| LIGIANE A DECARVALHO3 | P.O. BOX 29331 PHILA, PA 19125 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| HERVE TIMOTHE3 | 261 EAST 32ND STREET BROOKLYN, NY 11226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.07% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| THE WORKSIGHT GROUP LLC3 | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $3 | $4 | 0.02% |
| PROFESSIONAL ENROLLMENTS INC3 | 821 KING'S GRANT ST. SIMON ISLAND, GA 31522 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| SAMUEL DAVID BREIER3 | 34 GRAMERCY PARK EAST NEW YORK, NY 10003 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $3 | $4 | 0.02% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THORSEN GROUP INC3 | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| KLINGBEIL AND ASSOCIATES INC3 | 180 ALLEN ROAD, SUITE 303N ATLANTA, GA 303284894 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SHIRLEY SASTRE SOUTO3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $395 | — | $395 | 3.62% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $199 | — | $199 | 1.82% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | AFLAC | $178 | — | $178 | 1.63% |
| RONALD INFANTINO3 | 343 MAJORCA AVE UNIT TH1 UNIT PH1 CORAL GABLES, FL 33134 | AFLAC | $157 | — | $157 | 1.44% |
| JUANITA BURKS & ASSOCIATES3 | 6100 CENTER DRIVE SUITE 670 LOS ANGELES, CA 90045 | AFLAC | $41 | — | $41 | 0.38% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $38 | — | $38 | 0.35% |
| SUZETTE Z BANKS3 | 10736 JEFFERSON BLVD SUITE 736 LOS ANGELES, CA 90008 | AFLAC | $34 | — | $34 | 0.31% |
| ALBERT JOHNSON JR3 | 1255 E ALTADENA DRIVE ALTADENA, CA 91001 | AFLAC | $25 | — | $25 | 0.23% |
| ALBERT JOHNSON JR3 | 1255 E ALTADONA DRIVE ALTADENA, CA 91001 | AFLAC | $25 | — | $25 | 0.23% |
| VICTORIA FERNANDEZ SASTRE3 | 13025 SW 107TH CT MIAMI, FL 33176 | AFLAC | $22 | — | $22 | 0.20% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE ST SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $22 | — | $22 | 0.20% |
| VALERIE MARQUEZ BLANCO3 | P.O. BOX 160534 MIAMI, FL 33116 | AFLAC | $17 | — | $17 | 0.16% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT. LAUDERDALE, FL 33308 | AFLAC | $16 | — | $16 | 0.15% |
| ROBERTO E OTERO3 | 5000 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $14 | — | $14 | 0.13% |
| HANS ERIC ANDERSON3 | 6808 SAINT ESTABAN ST TUJUNGA, CA 91042 | AFLAC | $13 | — | $13 | 0.12% |
| J W GRIMES INC3 | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $12 | — | $12 | 0.11% |
| SHERILYN B BENNER3 | 21450 CHASE ST APT 102 CANOGA PARK, CA 91304 | AFLAC | $11 | — | $11 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2002 EASTWOOD RD SUITE 301 WILMINGTON, NC 28403 | AFLAC | $9 | — | $9 | 0.08% |
| MARSHALL CHARLES MCDONALD3 | 905 LAKE PARK DR APT 206 DAVIDSON, NC 28036 | AFLAC | $7 | — | $7 | 0.06% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $5 | — | $5 | 0.05% |
| TODD V MASON3 | 6164 LAWRENCE STREET CYPRESS, CA 90630 | AFLAC | $1 | — | $1 | 0.01% |
| TERRY H CUNNINGHAM3 | 708 OVERTON RIDGE WAY BOILING SPRINGS, SC 29316 | AFLAC | $140 | — | $140 | 2.64% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | AFLAC | $126 | — | $126 | 2.38% |
| DAVID ROLL3 | 8002 NE HWY 99 PMB 543 VANCOUVER, WA 98665 | AFLAC | $71 | — | $71 | 1.34% |
| AMY SISK CUNNINGHAM3 | 141 SUGAR HILL COURT BOILING SPRINGS, SC 29316 | AFLAC | $42 | — | $42 | 0.79% |
| DANNY DANIELS3 | 1931 SHARON ROAD WOODRUFF, SC 29388 | AFLAC | $42 | — | $42 | 0.79% |
| SHIRLEY SASTRE SOUTO3 | P. O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $32 | — | $32 | 0.60% |
| MARTA M SASTRE3 | P. O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $29 | — | $29 | 0.55% |
| PATRICIA A PARK3 | 5000 THURMOND MALL SUITE 103 COLUMBIA, SC 29201 | AFLAC | $27 | — | $27 | 0.51% |
| RONALD INFANTINO3 | 343 MAJORCA AVE UNIT TH1 UNIT PH1 CORAL GABLES, FL 33134 | AFLAC | $22 | — | $22 | 0.42% |
| DONALD P KREDENSOR3 | 420 E PARK AVE, SUITE 300 GREENVILLE, SC 29601 | AFLAC | $21 | — | $21 | 0.40% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $20 | — | $20 | 0.38% |
| RONALD F HERBIG3 | 27903 NE 132ND AVE BATTLE GROUND, WA 98604 | AFLAC | $11 | — | $11 | 0.21% |
| C HARVEY KING3 | P.O. BOX 45 WEST JEFFERSON, NC 28694 | AFLAC | $8 | — | $8 | 0.15% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT. LAUDERDALE, FL 33308 | AFLAC | $7 | — | $7 | 0.13% |
| JOHN D TYLER3 | 201 W MCBEE AVE SUITE 301 GREENVILLE, SC 29601 | AFLAC | $6 | — | $6 | 0.11% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 1089 LAKE WASHINGTON BLVD N APT 306 RENTON, WA 98056 | AFLAC | $6 | — | $6 | 0.11% |
| ANDREW PRINCE LOVINGIER3 | 1426 E IRON EAGLE DRIVE EAGLE, ID 83616 | AFLAC | $6 | — | $6 | 0.11% |
| KEVIN B SORIA3 | 815 S BRIDGEWAY PLACE SUITE 100 EAGLE, ID 83616 | AFLAC | $3 | — | $3 | 0.06% |
| DENNIS C LINDEY3 | PO BOX 1082 GOODLETTSVILLE, TN 37070 | AFLAC | $2 | — | $2 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2002 EASTWOOD RD SUITE 301 WILMINGTON, NC 28403 | AFLAC | $1 | — | $1 | 0.02% |
| RONALD C TRULUCK3 | 8721 CYPRESS RESERVE CIR ORLANDO, FL 32836 | AFLAC | $1 | — | $1 | 0.02% |
| CHALRES P HUDSON3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $1 | — | $1 | 0.02% |
| JAN HAMBY ALDAMUY3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $148 | — | $148 | 3.02% |
| SHIRLEY SASTRE SOUTO3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $74 | — | $74 | 1.51% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL A SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | AFLAC | $44 | — | $44 | 0.90% |
| NORA M FOLKERS3 | 1121 CANE MILL LN BRADENTON, FL 34212 | AFLAC | $39 | — | $39 | 0.80% |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $28 | — | $28 | 0.57% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | 7180 SW FIR LOOP, SUITE 250 TIGARD, OR 97223 | AFLAC | $26 | — | $26 | 0.53% |
| ISABEL GARCIA FARNHAM3 | 12144 ROCK DUCK AVE WEEKI WACHEE, FL 34614 | AFLAC | $23 | — | $23 | 0.47% |
| J W GRIMES INC3 | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $20 | — | $20 | 0.41% |
| HUMBERT ALDAMUY JR3 | 16203 MUIRFIELD DR ODESSA, FL 33556 | AFLAC | $14 | — | $14 | 0.29% |
| RONALD INFANTINO3 | 343 MAJORCA AVE UNIT TH1 UNIT PH1 CORAL GABLES, FL 33134 | AFLAC | $12 | — | $12 | 0.25% |
| JUDSON T LAW3 | 7654 WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $11 | — | $11 | 0.22% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 11811 NE 1ST ST SUITE A203 BELLEVUE, WA 98005 | AFLAC | $7 | — | $7 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2002 EASTWOOD RD SUITE 301 WILMINGTON, NC 28403 | AFLAC | $4 | — | $4 | 0.08% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $3 | — | $3 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $3 | — | $3 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 930 WINGATE ST SUITE E NUMBER E1 CONWAY, AR 72034 | AFLAC | $3 | — | $3 | 0.06% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LANE SUITE 525 OLDSMAR, FL 34677 | AFLAC | $3 | — | $3 | 0.06% |
| SUSAN C BRIMHALL3 | 1476 BRIARGROVE WAY SUITE 525 OLDSMAR, FL 34677 | AFLAC | $2 | — | $2 | 0.04% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $1 | — | $1 | 0.02% |
| SEWELL, TIM E3 Filed as: SEWELL, TIM, E | PO BOX 850916 YUKON, OK 73085 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 5.29% |
| PAR-DI SERVICES INC3 | 2701 S BAYSHORE DR SUITE 600 MIAMI, FL 33133 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $70 | $70 | 3.34% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FL NBM, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 1.10% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK, RACHEL, A | 1100 NE 163RD ST 2ND FL NBM, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $66 | — | $66 | — |
| CHRISTY DAY ASSOCIATES LLC3 | 199 WATER STREET, 23RD FLOOR NEW YORK, NY 10038 | AFLAC | $49 | — | $49 | — |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE Y MOY | 2169 E 28TH STREET BROOKLYN, NY 11229 | AFLAC | $30 | — | $30 | — |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | AFLAC | $25 | — | $25 | — |
| SHIRLEY SASTRE SOUTO3 Filed as: SHIRLEY SASTRE-SOUTO | 1401 TUNIS ST. CORAL GABLES, FL 33134 | AFLAC | $10 | — | $10 | — |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $10 | — | $10 | — |
| JIM KOKKORIS3 | 2356 28TH STREET ASTORIA, NY 11105 | AFLAC | $10 | — | $10 | — |
| TREVOR FENNELL3 | 820 N ORLEANS ST, SUITE 405 CHICAGO, IL 60610 | AFLAC | $8 | — | $8 | — |
| MARTA M SASTRE3 | P.O. BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $6 | — | $6 | — |
| RONALD INFANTINO3 | 343 MAJORCA AVENUE UNIT TH1 UNIT PH1 CORAL GABLES, FL 33134 | AFLAC | $3 | — | $3 | — |
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 | 1,395 | 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) | 1,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,395 | $402K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 716 | $208K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $336K |
| Other(9 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,395 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.