| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 331624515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 5.81% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC INC | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FL N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 14.31% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INUSRANCE & ASSOCIATES INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $669 | $7K | 22.26% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATED INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $881 | $7K | 22.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $972 | $6K | 22.98% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES IMC | 1100 NE 163RD STREET FL 2 N MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $1K | $2K | 15.11% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $453 | $3K | 18.09% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST FL 2 N MIAMI BEACH, FL 331624525 | SAFEGUARD HEALTH PLANS, INC. | $242 | $191 | $433 | 15.15% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 63 | $576K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.