| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | HUMANA MEDICAL PLAN, INC | $72K | $2K | $74K | 3.32% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 334102848 | HUMANA MEDICAL PLAN, INC | $61K | $732 | $61K | 2.76% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $4K | $167 | $4K | 5.12% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD ST FL2 NORTH MIAMI BEACH, FL 33162 | AFLAC | $3K | $119 | $3K | 3.94% |
| JON ADAMS | 920 NE 33RD TER UNIT 104 HOMESTEAD, FL 33033 | AFLAC | $2K | $0 | $2K | 2.80% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $2K | $81 | $2K | 2.38% |
| CONCEPCION DOPAZO3 | 13525 SW 62 STREET #2 #2 MIAMI, FL 33183 | AFLAC | $1K | $0 | $1K | 1.79% |
| KEVIN KELLY3 | 505 SW RUSTIC CIRCLE STUART, FL 34997 | AFLAC | $667 | $203 | $870 | 1.11% |
| RONALD INFANTINO3 | 7242 SW 163RD CT MIAMI, FL 33193 | AFLAC | $343 | $0 | $343 | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $149 | $0 | $149 | 0.19% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $127 | $0 | $127 | 0.16% |
| KEVIN GURDAK3 | 1446 HAYES ST A9 HOLLYWOOD, FL 33020 | AFLAC | $118 | $0 | $118 | 0.15% |
| CHRISTINE HITE3 | 1601 SW 102ND TER DAVIE, FL 33324 | AFLAC | $58 | $0 | $58 | 0.07% |
| WENDY VICIANA3 | 2425 FLAMINGO PL APT 11 MIAMI BEACH, FL 33140 | AFLAC | $49 | $0 | $49 | 0.06% |
| SARA G. LOPEZ3 Filed as: SARA G LOPEZ | 7425 SW 129TH CT MIAMI, FL 33183 | AFLAC | $45 | $0 | $45 | 0.06% |
| RICHARD CESAR FERNANDEZ3 Filed as: RICHARD FERNANDEZ | 150 W 58TH ST HIALEAH, FL 33012 | AFLAC | $44 | $0 | $44 | 0.06% |
| VALERIE MARQUEZ BLANCO3 | 12110 SW 105TH TER MIAMI, FL 33186 | AFLAC | $26 | $0 | $26 | 0.03% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $25 | $0 | $25 | 0.03% |
| BARRY BAYUK3 | 7193 VENETO DR BOYNTON BEACH, FL 33437 | AFLAC | $17 | $0 | $17 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC | $10 | $7 | $17 | 0.02% |
| GREGG L DENHOFFER3 | 25061 E OTTAWA DR AURORA, CO 80016 | AFLAC | $13 | $0 | $13 | 0.02% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $12 | $0 | $12 | 0.02% |
| SHAWN LANDECK3 | 150 E PALMETTO PARK RD STE 800 BOCA RATON, FL 33432 | AFLAC | $10 | $0 | $10 | 0.01% |
| LEVI & ASSOCIATES INSURANCE3 Filed as: LEVI AND ASSOC INSURANCE | 2790 N FEDERAL HWY STE 200 BOCA RATON, FL 33431 | AFLAC | $9 | $0 | $9 | 0.01% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $8 | $0 | $8 | 0.01% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC | $4 | $3 | $7 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $6 | $0 | $6 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $3 | $3 | $6 | 0.01% |
| DAVID MORRIS3 | 950 PENNINSULA CORPORATE CTR STE 1005 BOCA RATON, FL 33487 | AFLAC | $3 | $0 | $3 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC | $3 | $0 | $3 | 0.00% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $3 | $0 | $3 | 0.00% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 110 SE 6TH ST STE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $2 | $0 | $2 | 0.00% |
| RAQUEL GARCIA HOLLAND3 | 11725 HIGHLAND PL CORAL SPRINGS, FL 33071 | AFLAC | $2 | $0 | $2 | 0.00% |
| MARIA ORBE3 | 8362 PINES BLVD STE 250 PEMBROKE PINES, FL 33024 | AFLAC | $2 | $0 | $2 | 0.00% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | $0 | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.98% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | HUMANA INSURANCE COMPANY | $3K | $54 | $3K | 5.35% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | COMPBENEFITS COMPANY | $3K | $130 | $3K | 5.73% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 334102848 | COMPBENEFITS COMPANY | $2K | — | $2K | 4.42% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.88% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.78% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.45% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.28% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST N MIAMI BEACH, FL 331624515 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.30% |
| GEHRING GROUP3 | 11505 FAIRCHILD GARDENS STE 202 PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $741 | — | $741 | 3.60% |
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 | 630 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC | 314 | $2.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 223 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 628 | $96K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 163 | $113K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.