| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | HEALTH OPTIONS, INC | $57K | — | $57K | 6.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES, IN | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 9.72% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.55% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST. PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $100 | $618 | 0.86% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFIT SOLUTIONS, INC. | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $110 | $596 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, VA 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 0.69% |
| HIGH TECHNOLOGY RECRUITERS INC3 | 2540 MONTEREY COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | — | $482 | 0.67% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | — | $466 | 0.65% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 0.47% |
| ERLANDE MICHEL3 | 3629 INZERRARY BLVD LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $3 | $324 | 0.45% |
| JASON HARRY BROCKENBERRY3 | 1580 W 53 STREET HIALEAH, FL 33012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $42 | $239 | 0.33% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $7 | $234 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $52 | $204 | 0.28% |
| FRANKLIN RENE SANTANA3 | 15902 SW 95TH AVE, APT 306W MIAMI, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.23% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.23% |
| THE FAMILY INSURANCE DISCOUNT3 | 8179 NW 8 ST, APT B7 MIAMI, FL 33126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $3 | $79 | 0.11% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILLY CANTIZANO | 8421 SW 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.10% |
| VIRGINIA EDIT PINAT3 | 19501 W COUNTRY CLUB DR AVENTURA, FL 33180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.08% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.08% |
| ARELIS J ROBLEJO3 | 2790 N 38TH AVENUE HOLLYWOOD, FL 33921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| PAMELA EISELE FAZIO3 | 3344 MARWORTH CT MACUNGIE, PA 18062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $5 | $25 | 0.03% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $5 | $22 | 0.03% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| SUFINAZA INSURANCE3 | 3351 NW 85 AVENUE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| MIGUEL ANGEL HURTADO3 | 1567 SE 20TH PL HOMESTEAD, FL 33035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| JOSE H MUNGARRIETA3 Filed as: JOSE H MUGARRIETA | 10920 NW 67TH ST DORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GARY D DAVIS3 | 1 ARCTURUS DR SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| NORTH EAST EMPIRE INC3 | 93 WOODSIDE RD DANVILLE, PA 17821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 6.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE | $5K | — | $5K | 9.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE | $4K | — | $4K | 7.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.56% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | — | $778 | 2.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $635 | $3K | 10.34% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $527 | — | $527 | 1.64% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS INC | $3K | — | $3K | 13.49% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 LOCKBOX 1803 PHILADELPHIA, PA 19195 | SAFEGUARD HEALTH PLANS INC | $690 | — | $690 | 3.16% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $357 | $3K | 14.51% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $445 | — | $445 | 2.46% |
| 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 | $1K | $281 | $1K | 10.43% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $220 | — | $220 | 1.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $948 | — | $948 | 9.24% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | LB#1803 PHILADELPHIA, PA 191950001 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $155 | — | $155 | 1.51% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASOCIATES LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $153 | $1K | 14.01% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | — | $251 | 2.55% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTH OPTIONS, INC | 109 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $55K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 155 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $18K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 102 | $1.0M |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE | 110 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.