| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $191K | $197K | 5.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED HEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 0.81% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | $40K | $70K | 14.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53K | $14K | $67K | 13.83% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $7K | $22K | 4.61% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 2.90% |
| EDUARDO LUIS DOMINGUEZ3 | 13500 SW 88TH STREET MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $525 | $8K | 1.69% |
| EDGARDO JESUS MINI-ESPEJO3 | 13500 SW 88TH STREET, SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 1.56% |
| YASMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $336 | $7K | 1.43% |
| JOSEPH WILLIAM BAKER3 | 10622 DESERT SPRINGS CIRCLE HOUSTON, TX 77095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $166 | $5K | 0.94% |
| SANDE LYNN KASKEL3 | 800 PARKVIEW DR, APT 501 HALLANDALE, FL 33009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $77 | $4K | 0.82% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $154 | $3K | 0.71% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $172 | $3K | 0.70% |
| MARIO P CASERTA3 Filed as: MARIO P. CASERTA | 12531 SW 112 AVE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $22 | $3K | 0.63% |
| LOURDES PRICE3 | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $187 | $3K | 0.58% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SW 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $199 | $3K | 0.56% |
| ANTHONY ACCILIEN3 | 6157 UNITED STREET WEST PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $55 | $3K | 0.53% |
| ANTONIO MANUEL MENENDEZ3 | 1205 MARIPOSA AVE. CORAL GABLES, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $202 | $2K | 0.41% |
| KENNETH LUIS VARGAS3 | 14927 SW 104 STREET, APT. 202 MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $43 | $2K | 0.39% |
| DAVID CHRISTOPHER NUNES3 | 11725 SW 132 COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $71 | $2K | 0.36% |
| MICHAEL MARSHALL3 | 1134 SE 6TH COURT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $375 | $381 | $756 | 0.16% |
| MICHEL GUTIERREZ | 14254 SW 155TH COURT MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $611 | — | $611 | 0.13% |
| RACHAEL HEATHER DUNN3 | 2847 KEEL COURT, APT. 205 LANTANA, FL 33462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $1 | $533 | 0.11% |
| GARY NABORS3 | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.03% |
| NELSON G FABAL3 | 17820 NW 84TH AVE MIAMI, FL 33015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.03% |
| JONATHAN WALLACE3 | 140 LIBERTY ST, APT 3211 COLUMBUS, OH 43215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.01% |
| RIAZ W RAMJATTANSINGH3 | 2001 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| JUAN CARLOS MARTINEZ3 | 15560 SW 115 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $7K | $35K | 13.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 0.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $9K | $35K | 21.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $9K | $40K | 25.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $8K | $36K | 25.42% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC, A FLORIDA CORPORATION | $7K | $2K | $9K | 13.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 23.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | PREFERRED LEGAL PLAN | $2K | — | $2K | 16.84% |
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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 985 | $3.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 684 | $317K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 985 | $3.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 798 | $196K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $162K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 798 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.