| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS. & ASSOCIATES, INC. | 1100 NE 163 STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $70K | $70K | 7.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS. & ASSOCIATES | 1100 NE 163 ST. 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 6.86% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOC. | 1100 NE 163 ST. 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNUM | $61K | $264 | $61K | 15.06% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163 STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 16.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $33 | $8K | 15.06% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $2K | $1K | $3K | 15.64% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST 2ND FL NORTH MIAMI BEACH, FL 33162 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | — | $933 | 7.18% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $399 | $25 | $424 | 3.26% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS. ASSOCIATES INC. | 1100 NE 163 ST. 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $822 | — | $822 | 7.74% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | $11 | $364 | 3.43% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 192 | $1.7M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $775K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $757K |
| Life insurance(3 contracts, 3 carriers) | UNUM | 215 | $470K |
| Long-term disability | UNUM | 215 | $407K |
| Other(5 contracts, 3 carriers) | UNUM | 215 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.