| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | HUMANA MEDICAL PLAN, INC. | $109K | $3K | $112K | 6.20% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HUMANA MEDICAL PLAN, INC. | $9K | $0 | $9K | 0.50% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $8K | $43K | 24.45% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $10K | $169 | $11K | 6.23% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $875 | $0 | $875 | 0.52% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 11.33% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.09% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.11% |
| UNKNOWN3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $6K | $629 | $7K | 9.26% |
| UNKNOWN | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AFLAC | $7K | $0 | $7K | 9.00% |
| MJ INSURANCE3 Filed as: UNKNOWN AND VARIOUS AGENTS | 138 ABONDANCE DRIVE PALM BEACH GARDENS, FL 33410 | AFLAC | $2K | $490 | $2K | 3.03% |
| UNKNOWN3 | 4531 CADIZ CIRCLE PALM BEACH GARDENS, FL 33418 | AFLAC | $770 | $0 | $770 | 1.03% |
| UNKNOWN3 | 9603 NW 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $502 | $0 | $502 | 0.67% |
| UNKNOWN3 | 8350 SANDS POINT BOULEVARD APARTMENT E106 TAMARAC, FL 33321 | AFLAC | $494 | $0 | $494 | 0.66% |
| UNKNOWN3 | 7111 NW 46TH COURT LAUDERHILL, FL 33319 | AFLAC | $428 | $0 | $428 | 0.57% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $911 | $3K | 8.62% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163RD STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $0 | $2K | 4.59% |
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 | 715 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 311 | $2.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $88K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 568 | $177K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 568 | $177K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 568 | $177K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 311 | $2.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 568 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.