| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INS ASSOC LLC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 331620000 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $87K | $87K | 6.35% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 12.23% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $9K | — | $9K | 9.13% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $7K | — | $7K | 7.10% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 5.44% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 2.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 331620000 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 12.53% |
| 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 | $7K | $496 | $7K | 21.52% |
| 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 | $6K | $494 | $7K | 21.54% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $581 | $3K | 12.51% |
| 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 | $287 | $4K | 21.72% |
| 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 | $237 | $3K | 21.49% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | PROFESSIONAL INSURANCE COMPANY | $2K | — | $2K | 35.05% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWBURY AVE STE 200 TINTON FALLS, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162 | — | $162 | 13.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 2.89% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 298 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $91K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $68K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $32K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA INSURANCE CO. | 217 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.