| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $74K | $74K | 7.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E 163RD ST NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $71 | $71 | 0.01% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST NORTH MIAMI BEACH, FL 33162 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $57K | $57K | 6.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 110 NE 163 ST NORTH MIAMI BEACH, FL 33162 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.40% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.23% |
| 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 | $11K | $2K | $12K | 23.15% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 110 NE 163 ST NORTH MIAMI BEACH, FL 33162 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $222 | $3K | 10.80% |
| 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 | $5K | $969 | $6K | 23.81% |
| 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 | $3K | $629 | $4K | 18.23% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 66 | $1.1M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $113K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $53K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.