| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $105K | — | $105K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | HEALTH OPTIONS | $9K | — | $9K | 5.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $9K | 13.75% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 11.51% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $3K | $1K | $5K | 13.89% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET 2ND FLOOR N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 24.18% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 24.45% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES LLC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $692 | $4K | 24.24% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC, LLC | 1100 NE 163RD STREET 2ND FLOOR N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $606 | $3K | 24.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | PROFESSIONAL INSURANCE COMPANY | $3K | — | $3K | 35.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 14.98% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 131 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $68K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 131 | $1.9M |
| Other(5 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 242 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.