| 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 | $36K | $244K | $280K | 6.04% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.18% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $10K | $34K | 22.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $9K | $37K | 26.58% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $8K | $33K | 26.65% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.47% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 5.43% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.58% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $14K | 23.77% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 25.73% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.66% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.74% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | PREFERRED LEGAL PLAN | $2K | — | $2K | 16.56% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,088 | $4.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,088 | $4.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,088 | $4.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $183K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $155K |
| Other(4 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 854 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.