| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NORTHEAST 163RD STRE 2ND FLOOR MIAMI, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $145K | $145K | 5.54% |
| 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 | $22K | $1K | $23K | 21.14% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $254 | $12K | 12.58% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 9.70% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $667 | $3K | 3.06% |
| BRITO BENEFITS SOLUTIONS INC3 Filed as: BRITO BENEFITS COLUTIONS INC | 14716 SOUTHWEST 112 TER MIAMI, TX 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $547 | $2K | 1.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $779 | $192 | $971 | 1.02% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $891 | $52 | $943 | 0.99% |
| GARY NABORS3 Filed as: GARY D NABORS | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $744 | — | $744 | 0.78% |
| LIZBETH RAMON3 | 15242 SW 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | $22 | $644 | 0.68% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $2 | $594 | 0.63% |
| GUY SANMIGUEL3 | 18063 SW 13 ST PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $593 | — | $593 | 0.62% |
| ERLANDE MICHEL3 | 3629 INZERRARY BLVD LAUDERHILL, FL 33319 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $7 | $502 | 0.53% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | $13 | $472 | 0.50% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | $12 | $462 | 0.49% |
| NATALIE BRUNSON3 | 7180 SHALIMAR STREET MIRAMAR, FL 33023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.16% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.14% |
| SANDE LYNN KASKEL3 | 761 E COCO PLUM CIRCLE PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.13% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $1 | $91 | 0.10% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $3 | $88 | 0.09% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $10 | $72 | 0.08% |
| EMANUEL JULIAN ASURZA3 | 13500 SW 88TH ST MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $1 | $55 | 0.06% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.05% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124 AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 0.02% |
| MARTHE LADINY VOLTAIRE3 | 517 NW 87TH WAY CORAL SPRING, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| KYLE RUSSEY3 | 14385 NW 15TH ST PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| EM FINANCIAL SERVICES LLC3 | 13500 SW 88TH STREET SUITE 211 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| THE GRANT AGENCY INC3 | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 8.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| 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 | $6K | $690 | $7K | 11.14% |
| 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 | $653 | $6K | 11.21% |
| 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 | $7K | $395 | $8K | 21.10% |
| 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 | $315 | $3K | 11.29% |
| 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 | $122 | $2K | 10.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $705 | $15 | $720 | 11.42% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $184 | $557 | 8.83% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $37 | $166 | 2.63% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 2.14% |
| GARY NABORS3 Filed as: GARY D NABORS | 4302 HOLLYWOOD BLVD HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.54% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $25 | $84 | 1.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVENUE #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $15 | $76 | 1.21% |
| ELIZABETH SANGUILY3 | 8421 SOUTHWEST 124TH AVE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.30% |
| GUY SANMIGUEL3 | 18063 SW 13 ST PEMBROKE PINES, FL 33029 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.27% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.16% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| NATALIE BRUNSON3 | 7180 SHALIMAR STREET MIRAMAR, FL 33023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| LUC JOSEPH3 | 548 NW 51ST ST MIAMI, FL 33127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 16002 SW 73RD STREET MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.03% |
| LIZBETH RAMON3 | 15242 SW 161ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| 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 | $733 | $43 | $776 | 21.18% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | $3 | $48 | 14.95% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $15 | $39 | 12.15% |
| 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 | $35 | — | $35 | 10.90% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 4.67% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $2 | $12 | 3.74% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $3 | $10 | 3.12% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $1 | $6 | 1.87% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $2.6M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $114K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 244 | $108K |
| Other(7 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 244 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.