| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD, HOLLYWOOD, FL 33021 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $68K | $1K | $69K | 5.91% |
| 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. | $23K | $1K | $24K | 2.05% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $492 | $2K | 5.23% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $331 | $2K | 4.75% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD HOLLYWOOD, FL 33021 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | $280 | $4K | 1421.75% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD STREET STE 200 NORTH MIAMI BEACH, FL 33162 | GREATER GEORGIA LIFE INSURANCE COMPANY | $1K | — | $1K | 443.51% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11 | — | $11 | 7.53% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4 | — | $4 | 2.74% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5 | $357 | $362 | 262.32% |
| ALL ATLANTIC BENEFITS LLC3 | 3440 HOLLYWOOD BLVD STE 465 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16 | — | $16 | 11.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CLARITY BENEFITS SOLUTIONS EIN 22-3205534 ADMINISTRATIVE FEES | Plan Administrator; Contract Administrator Service code 13 | 77 BRANT AVENUE CLARK CLARK, NJ 07066 | $6K |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 289 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 289 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 289 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 308 | $592 |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $33K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $146 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.