| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $125K | $125K | 5.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 7.31% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 6.68% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 23.47% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 23.82% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $580 | $4K | 23.83% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $576 | $122 | $698 | 24.25% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 12.45% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $8 | $22 | 9.44% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 8.15% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $3 | $11 | 4.72% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 2.15% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | — |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | — |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $628 | $2K | — |
| LIZBETH RAMON3 | 15242 SW 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $426 | $2K | — |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS COLUTIONS INC | 14716 SOURTHWEST 112 TER MIAMI, TX 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $305 | $1K | — |
| GARY NABORS3 Filed as: GARY D NABORS | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $910 | — | $910 | — |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | $9 | $432 | — |
| SANDE LYNN KASKEL3 | 761 E COCO PLUM CIRCLE PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | — | $404 | — |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $6 | $256 | — |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $19 | $237 | — |
| ERLANDE MICHEL3 | 3629 INZERRARY BLVD LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $3 | $231 | — |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $34 | $196 | — |
| EMANUEL JULIAN ASURZA3 | 13500 SW 88TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $14 | $187 | — |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FM 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $6 | $167 | — |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIR CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | — |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | — |
| MARTHE LADINY VOLTAIRE3 | 517 NW 87TH WAY CORAL SPRING, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | — |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $4 | $42 | — |
| KYLE RUSSEY3 | 14385 NW 15TH ST PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $6 | $40 | — |
| VERONICA FARR3 | 4011 NE 24TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | — |
| LYNNELLE MARIE MAYS3 | 7763 SOUTHAMPTON TERRACE TAMARAC, FL 33321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | — |
| GEORGE WILLIAM GALVIN3 | 15021 BRISTOL LANE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | — |
| KARL GRANT3 | P.O. BOX 590515 FORT LAUDERDALE, FL 33359 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | — |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | — |
| KARINA ALEXANDRA BARRIOS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $4 | $18 | — |
| EM FINANCIAL SERVICES LLC3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | — |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | — |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | — |
| EDGARDO JESUS MINI-ESPEJO3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| BERNARD PHILLIP3 | 2044 NW 52ND ST BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 329 | $2.2M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $90K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $82K |
| Other(7 contracts, 4 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 241 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.