| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $135K | $164K | 3.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $44K | $53K | 1.10% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $9K | $34K | 18.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 6.54% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $8K | $24K | 15.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.22% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $24K | 18.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.29% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.63% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.19% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $918 | — | $918 | 1.52% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $338 | — | $338 | 0.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 16.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.28% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $4K | — | $4K | 7.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $1K | — | $1K | 2.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PREFERRED LEGAL PLAN | $2K | — | $2K | 14.82% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163 STREET, 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $11 | — | $11 | 7.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $4 | — | $4 | 2.65% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 587 | $4.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 587 | $4.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 587 | $4.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 815 | $188K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $184K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $151K |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 815 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.