| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD SUITE 465 HOLLYWOOD, FL 33021 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $29K | $40K | $69K | 6.54% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST. NORTH MIAMI BEACH, FL 33162 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $29K | $10K | $39K | 3.68% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $170 | $10K | 7.63% |
| 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 | $71 | $3K | 2.55% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $486 | $5K | 12.42% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $283 | $2K | 4.43% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $450 | $5K | 12.45% |
| 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 | $262 | $2K | 4.45% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $90 | $6K | 15.24% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $53 | $2K | 5.14% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK ROAD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $42 | $42 | 0.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES LLC | 1100 NE 163RD STREET STE 200 NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $18 | $18 | 0.11% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S PARK RD STE 475 HOLLYWOOD, FL 33021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $22 | $1K | 11.46% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $387 | $13 | $400 | 3.88% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 294 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $130K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $38K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
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.