| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC, INC. | 1100 NE 163RD STREET N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY1 | $133K | $3K | $136K | 11.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | METROPOLITAN LIFE INSURANCE COMPANY1 | $13K | — | $13K | 1.13% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC, INC. | 1100 NE 163RD STREET N MIAMI BEACH, FL 331624525 | CONTINETAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 23.48% |
| PAUL A CINNANTE3 | 8486 HEALTH PLACE BOYNTON BEACH, FL 33472 | CONTINETAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 14.07% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 251 ROYAL COURT DELRAY BEACH, FL 33444 | CONTINETAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.70% |
| SUWAT ASSAWAMATIYANONT3 Filed as: SUWAT ASSAWAMATIYAN ONT | 4410 BOUGAINVILLA DRIVE LAUDERDALE, FL 33308 | CONTINETAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $482K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $22K |
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 | 686 | 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) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 85 | $281K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.1M |
| Stop-loss / reinsurancereinsurance | AETNA | 686 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY1 | 1,773 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.