| 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 | $39K | $165K | $204K | 4.33% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | NEIGHBORHOOD HEALTH PARTNERSHIP | $44K | $163K | $206K | 4.89% |
| 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 | $101K | — | $101K | 9.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $45K | — | $45K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $26K | $85K | 14.27% |
| 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 | $16K | — | $16K | 4.00% |
| 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 | $4K | — | $4K | 3.04% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST. 2ND FLOOR N MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $7K | $3K | $11K | 14.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC | 1100 NE 163 ST, 2ND FLOOR NMB, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 15.71% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST. 2ND FLOOR N MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $526 | $262 | $788 | 15.41% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,INC | 1100 NE 163 ST. 2ND FLOOR N MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $137 | $71 | $208 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 1,072 | 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) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,090 | $8.9M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,147 | $671K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,147 | $594K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,027 | $42K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,112 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,147 | — |
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.