| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 331624525 | HUMANA MEDICAL PLAN, INC. | $25K | $325 | $25K | 5.06% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | HUMANA MEDICAL PLAN, INC. | $4K | $28 | $4K | 5.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA | $6K | — | $6K | 8.98% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD, SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA | $3K | — | $3K | 3.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | HUMANA INSURANCE COMPANY | $4K | $2K | $6K | 15.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $867 | $3K | 19.70% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | HUMANA INSURANCE COMPANY | $614 | $544 | $1K | 18.87% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 33162 | COMPBENEFITS COMPANY | $465 | $938 | $1K | 30.15% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA MEDICAL PLAN, INC. | 47 | $587K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 40 | $44K |
| Vision | HUMANA INSURANCE COMPANY | 35 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $16K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA | 127 | $64K |
| Other(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 104 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.