| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST, FL 2 MIAMI, FL 331624525 | AVMED | $16K | $0 | $16K | 3.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST, FL 2 N MIAMI BEACH, FL 331624525 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.23% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD STREET, 2ND FLOOR MIAMI, FL 331624525 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.00% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 331624525 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $798 | $199 | $997 | 12.62% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 100 | $531K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $76K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $115K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $76K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.