| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $45K | — | $45K | 5.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 5.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA | $8K | — | $8K | 8.99% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA | $4K | — | $4K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $5K | — | $5K | 9.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 26.80% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $864 | — | $864 | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $653 | — | $653 | 9.07% |
| FLORIDA BLUE3 Filed as: DANIELL, KAREN (FLORIDA BLUE) | 4800 DEERWOOD CAMPUS PKWY, DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $147 | — | $147 | 2.04% |
| FLORIDA BLUE3 Filed as: LUCAS, MAGGIE (FLORIDA BLUE) | 4800 DEERWOOD CAMPUS PKWY, DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $27 | — | $27 | 0.37% |
| FLORIDA BLUE3 Filed as: CAMPUZANO, SOLANGE (FLORIDA BLUE) | 4800 DEERWOOD CAMPUS PKWY, DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $27 | — | $27 | 0.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $70 | $264 | $334 | — |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.0M |
| Dental(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 82 | $58K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $24K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 123 | $1.0M |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA | 159 | $94K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.