| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA HEALTH, INC | — | $238K | $238K | 4.83% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA HEALTH, INC | — | $15K | $15K | 0.30% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE CO | $37K | $31K | $68K | 16.88% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE CO | — | $20K | $20K | 4.97% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $38K | $7K | $45K | 23.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $8K | $33K | 20.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $6K | $34K | 24.47% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 12.58% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 8.56% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.73% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| KEELER & ASSOCIATES5 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.83% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.16% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 22.71% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| DOUGLAS GEORGE KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| DOUGLAS GEORGE KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | PREFERRED LEGAL PLAN | $3K | — | $3K | 19.11% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 244 | $65K |
| Dental | AETNA LIFE INSURANCE CO | 1,067 | $402K |
| Vision | AETNA LIFE INSURANCE CO | 1,067 | $402K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 851 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $161K |
| Other(6 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 851 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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.