| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | HEALTH OPTIONS | $39K | — | $39K | 7.18% |
| WORLD INSURANCE ASSOCIATES LLC3 | 1100 NE 163RD ST FL 2 MIAMI, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 9.63% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $436 | — | $436 | 1.02% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.80% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.23% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $315 | — | $315 | 0.97% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $419 | $5K | 16.38% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 9.83% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE S 4TH FLOOR ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $209 | — | $209 | 0.86% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $225 | $2K | 16.91% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $676 | $68 | $744 | 11.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $814 | $86 | $900 | 16.60% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $669 | $114 | $783 | 17.56% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 088300001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | $35 | $412 | 10.93% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 67 | $666K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $46K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 57 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $10K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $42K |
| Prescription drug | HEALTH OPTIONS | 67 | $549K |
| Other(4 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 143 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.