| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK, RACHEL A | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $62K | — | $62K | 4.90% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163 STREET NORTH MIAMI BEACH, FL 33162 | FRINGE BENEFIT GROUP | $6K | $2K | $9K | 12.19% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | FRINGE BENEFIT GROUP | $5K | — | $5K | 7.10% |
| ALL ATLANTIC BENEFITS LLC3 | 200 S. PARK ROAD, STE 475, HOLLYWOOD, FL 33021 | FRINGE BENEFIT GROUP | $562 | $189 | $751 | 1.05% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $824 | $6K | 17.32% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $386 | $3K | 17.07% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $435 | $2K | 12.39% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $296 | $2K | 17.43% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $124 | $1K | 16.51% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AND ASSOCIATES | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $678 | $73 | $751 | 16.61% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE & ASSOCIATES,LLC | 1100 NE 163RD ST NORTH MIAMI BEACH, FL 33162 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS INC. EIN 74-2616364 ADMIN | Plan Administrator Service code 14 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $4K |
| MULTIPLAN, INC EIN 13-3068979 PPO FEES | Plan Administrator Service code 14 | P O BOX 29380 NEW YORK, NY 10087 | $1K |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 243 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 144 | $0 |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $44K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $12K |
| Prescription drug | FRINGE BENEFIT GROUP | 44 | $72K |
| Stop-loss / reinsurancereinsurance | FRINGE BENEFIT GROUP | 44 | $72K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.