| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSUMER GROUP SERVICES3 Filed as: CONSUMER GROUP SERVICES, INC | 914 E NORVELL BRYANT HWY HERNANDO, FL 344422826 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | — | $29K | 4.70% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 2.30% |
| CONSUMER GROUP SERVICES3 Filed as: CONSUMER GROUP SERVICES, INC | 914 E NORVELL BRYANT HWY HERNANDO, FL 344422826 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | — | $12K | 4.66% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 2.34% |
| CONSUMER GROUP SERVICES3 Filed as: CONSUMER GROUP SERVICES, INC | 914 E NORVELL BRYANT HWY HERNANDO, FL 344422826 | FLORIDA COMBINED LIFE | $1K | — | $1K | 4.69% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | FLORIDA COMBINED LIFE | $237 | — | $237 | 0.90% |
| ASSET PLANNING GROUP INC3 | 2000 BANKS RD STE 201D MARGATE, FL 344422826 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.02% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.98% |
| CONSUMER GROUP SERVICES3 Filed as: CONSUMER GROUP SERVICES, INC | 914 E NORVELL BRYANT HWY HERNANDO, FL 33162 | FLORIDA COMBINED LIFE | $953 | — | $953 | 7.62% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 344422826 | FLORIDA COMBINED LIFE | $298 | — | $298 | 2.38% |
| ASSET PLANNING GROUP INC3 | 2000 BANKS RD STE 201D MARGATE, FL 344422826 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.56% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $612 | — | $612 | 7.44% |
| ASSET PLANNING GROUP INC3 | 2000 BANKS RD STE 201D MARGATE, FL 344422826 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $934 | — | $934 | 13.81% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $756 | — | $756 | 11.18% |
| ASSET PLANNING GROUP INC3 | 2000 BANKS RD STE 201D MARGATE, FL 344422826 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | — | $422 | 9.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | — | $248 | 5.56% |
| ASSET PLANNING GROUP INC3 | 2000 BANKS RD STE 201D MARGATE, FL 344422826 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 5.76% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 4.27% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 52 | $870K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 66 | $39K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $2K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 15 | $23K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 52 | $870K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.