| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | HEALTH OPTIONS | $82K | — | $82K | 4.16% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 NORTH MIAMI BEACH, FL 33162 | HEALTH OPTIONS | $17K | — | $17K | 0.84% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 4.17% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 0.83% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $2K | — | $2K | 0.31% |
| WORLD INS ASSOC LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $460 | $14K | 10.33% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOC LLC | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $236 | $8K | 10.32% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $1K | — | $1K | 1.57% |
| WORLD INSURANCE ASSOCIATES LLC3 | 14821 SOUTH DIXIE HIGHWAY MIAMI, FL 33176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.60% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.40% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 4.07% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | USABLE LIFE | $1K | — | $1K | 3.15% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | LB#1803 PHILADELPHIA, PA 19195 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE S FL 4 ISELINN, NJ 08830 | USABLE LIFE | $809 | — | $809 | 3.12% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4 FL ISELIN, NJ 08830 | USABLE LIFE | $127 | — | $127 | 3.31% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 170 | $3.3M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $213K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $29K |
| Life insurance(2 contracts) | USABLE LIFE | 273 | $61K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 277 | $117K |
| Long-term disability | USABLE LIFE | 273 | $599K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 170 | $3.3M |
| Other(2 contracts) | USABLE LIFE | 273 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.