| 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 | $124K | — | $124K | 5.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE CO | $20K | $71 | $20K | 10.07% |
| SAPOZNIK INSURANCE & ASSOCIATES INC4 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $7K | $22K | 24.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $6K | $16K | 20.78% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 24.06% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| DOUGLAS GEORGE KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.88% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $868 | — | $868 | 2.07% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $519 | $2K | 5.44% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $505 | $2K | 5.54% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.18% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.20% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $846 | — | $846 | 5.93% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $408 | — | $408 | 2.86% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR MIAMI, FL 33162 | PREFERRED LEGAL PLAN | $1K | — | $1K | 15.41% |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 226 | $42K |
| Dental | AETNA LIFE INSURANCE CO | 965 | $196K |
| Vision | AETNA LIFE INSURANCE CO | 965 | $196K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 744 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $79K |
| Other(6 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 744 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 965 | — |
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.