| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INS ASSOC LLC3 | 1100 NE 163RD ST, FL 2 NORTH MIAMI BEACH, FL 331624525 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $86K | $86K | 6.38% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $739 | $7K | 9.45% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | PO BOX 95000 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.53% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.24% |
| 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 | $7K | $1K | $8K | 23.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 16.11% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $3K | — | $3K | 8.45% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 6.06% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $688 | — | $688 | 2.33% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $397 | — | $397 | 1.34% |
| 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 | $4K | $582 | $4K | 17.45% |
| 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 | $4K | $707 | $5K | 23.44% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $177 | $2K | 9.44% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | PO BOX 95000 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 1.53% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $1.4M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $76K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $35K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 242 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.