| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INS ASSOC LLC3 | 656 SHREWSBURY AVE TINTON FALLS, NJ 07701 | AETNA LIFE INSURANCE COMPANY | — | $5K | $5K | 0.36% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $6K | $40K | 17.25% |
| 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 | $32K | $5K | $37K | 22.45% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC. | 1100 N. 163RD ST. N MIAMI BEACH, FL 33162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 18.92% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW. 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 10.66% |
| ANDREA BROWNING3 | 145 19TH AVE. SE SAINT PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $918 | $3K | 3.64% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SW. 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $480 | $2K | 2.14% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $316 | $2K | 1.92% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $917 | $359 | $1K | 1.48% |
| THE FAMILY INSURANCE DISCOUNT3 | 12010 SW 135TH TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 1.37% |
| ELIZABETH SANGUILY3 | 8421 SW. 124TH AVE. MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $788 | $52 | $840 | 0.98% |
| MICHEL GUTIERREZ3 | 29244 SW. 142ND PL. HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $14 | $462 | 0.54% |
| ERLANDE MICHEL3 | 3141 LA FRANCE AVE SW. PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | $2 | $361 | 0.42% |
| MICHAEL ALAN SCHOOLEY3 Filed as: MICHAEL ALLEN SCHOOLEY | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $9 | $273 | 0.32% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SOUTHWEST 145 CT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.22% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVE., #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $14 | $185 | 0.22% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $39 | $178 | 0.21% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $7 | $86 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE., #6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $7 | $80 | 0.09% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW 88TH STREET SUITE 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.07% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL BENEFITS, LLC | 8421 SW. 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.06% |
| BENJAMIN DARANG3 | 2901 NW. 48TH AVE., APT. 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $1 | $33 | 0.04% |
| THOMAS L JEFFORDS3 | PO BOX 6191 MCKINNEY, TX 75071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| MELINDA DIANE SWARTLEY3 | 202 PACER LN. COLLEGEVILLE, PA 19426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ROLANDO OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| CTL SERVICES INC3 Filed as: CTL SERVICES INC. | 1140 CLIMBING ROSE DR. ORLANDO, FL 32818 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.01% |
| BUDDY GLENN DRIVER3 | 3301 S STATE HWY 121 BONHAM, TX 75418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| EMANUEL JULIAN ASURZA3 | 104-45 ATLANTIC AVE. RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVE. JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ERNESTO ELOY GARCIA3 | 5931 REIGER AVE. DALLAS, TX 75214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| SUFINANZA INSURANCE AND FINANCIAL S3 | 3351 NW. 85TH AVE CORAL SPRINGS, FL 33065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BERNARD PHILLIP3 | 2044 NW. 52ND ST. BOCA RATON, FL 33496 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIRCLE STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| EDIANNETTE ROSADOFONSECA3 | 842 COUNTRY CROSSING CT KISSIMMEE, FL 34744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARIA VERONICA JARQUE3 | 2325 1/2 N ROCKWELL ST. CHICAGO, IL 60647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS INC. | 100 ALBRIGHT LN. PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| JUAN J MORENO3 Filed as: JUAN MORENO | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW. 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOURDES PRICE3 Filed as: LOURDES YOLANDA PRICE | 6636 ALEMENDRA FORT PIERCE, FL 34951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SANDRA DRIVER3 | PO BOX 233 WYLIE, TX 75098 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD. ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ANZA & ANZA AND ASSOCIATES3 | 367 HIGHCREST DR. WEST MILFORD, NJ 07480 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| OMAR ENRIQUE FIGUEROA3 | 3424 DOUGLAS COURT KISSIMMEE, FL 34746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD. OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | $17K | $3K | $20K | 23.27% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 LB #1803 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| 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 | $11K | $2K | $13K | 17.67% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. | $8K | — | $8K | 15.89% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $4K | $4K | 7.81% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $4K | $4K | 7.42% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $658 | — | $658 | 1.32% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 LB #1803 PHILADELPHIA, PA 191950001 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD ST 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | TRANSAMERICA INSURANCE CO. | $144 | — | $144 | 15.88% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $100 | $100 | 11.03% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $38 | $38 | 4.19% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $12 | — | $12 | 1.32% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 238 | $1.4M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $78K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $19K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 387 | $243K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $234K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $166K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 387 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.