| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL ABITOL SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | UNITEDHEALTHCARE INSURANCE COMPANY | $201K | $51K | $251K | 5.23% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | NEIGHBORHOOD HEALTH PARTNERSHIP | $45K | $123K | $168K | 5.24% |
| 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 | $69K | — | $69K | 9.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $10K | $62K | 10.89% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $23K | — | $23K | 5.17% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | — | $5K | 2.76% |
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 | 1,115 | 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) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $8.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $568K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,115 | $568K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 2,433 | $765K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,433 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.