| 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 | — | $328K | $328K | 3.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 0.51% |
| 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 | $86K | — | $86K | 8.99% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $38K | — | $38K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $25K | $82K | 13.49% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.01% |
| 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. | $21K | — | $21K | 4.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. -IL | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.37% |
| 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 | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. (MIAMI) | 1001 BRICKELL BAY 10TH FLOOR MIAMI, FL 33131 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $401 | — | $401 | 0.25% |
| 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 | $6K | $3K | $9K | 13.19% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC | 1100 NE 163 ST, 2ND FLOOR NMB, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 15.11% |
| 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 | $500 | $217 | $717 | 13.04% |
| 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 TEXAS CORPORATION | $110 | $55 | $165 | 15.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
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 | 980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,621 | $9.2M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,007 | $683K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,007 | $605K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 980 | $34K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,254 | $993K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,621 | — |
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.