| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC-MIAMI | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $152K | $162K | 2.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL ABITOL SAPOZNIK | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $65 | $65 | 0.00% |
| 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 | $45K | — | $45K | 8.51% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | — | $20K | 3.79% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.54% |
| AON CONSULTING INC3 | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | TRANSAMERICA LIFE INSURANCE COMPANY | $291 | — | $291 | 0.05% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $10K | $59K | 12.42% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 ST., 2ND FLOOR N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $13K | $18K | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. -IL | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 5.34% |
| 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. | $189 | — | $189 | 0.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. (MIAMI) | 1001 BRICKELL BAY 10TH FLOOR MIAMI, FL 33131 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 3.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $7K | $1K | $8K | 11.78% |
| 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 | $588 | $2K | $2K | 3.15% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $489 | $78 | $567 | 12.13% |
| 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 | $44 | $120 | $164 | 3.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $187 | $29 | $216 | 10.01% |
| 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 | $6 | $24 | $30 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 972 | 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) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,684 | $8.1M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 954 | $550K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 954 | $476K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 972 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,684 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.