| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST STE 300 NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $49K | — | $49K | 6.20% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $20K | — | $20K | 2.48% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 10.17% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.95% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 16.39% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.35% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.13% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.04% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.05% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | $290 | $690 | 11.13% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | — | $220 | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLARITY BENEFITS SOLUTIONS EIN 22-3205534 ADMINISTRATIVE FEES | Contract Administrator; Plan Administrator Service code 13 | 77 BRANT AVENUE CLARK CLARK, NJ 07066 | $5K |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 180 | $791K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $130K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $130K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $45K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.