| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $1K | $48K | 15.05% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.03% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 29.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163RD STREET NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 29.41% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS & ASSOC INC | 1100 NE 163RD STREET N MIAMI BEACH, FL 33162 | HUMANA INSURANCE COMPANY | $596 | $57 | $653 | 10.96% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $435 | $261 | $696 | 16.21% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATED INC | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $66 | $37 | $103 | 17.31% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $44 | $25 | $69 | 18.65% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATED | 1100 NE 163RD STREET 2ND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $5K | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Named fiduciary; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $34K |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $320K |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $45K |
| Vision | HUMANA INSURANCE COMPANY | 47 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $0 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $12K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.