| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 3.98% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF 107 DEERFIELD BEACH, FL 33442 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 1.55% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE AGENCY | 1100 NE 163 STREET MIAMI, FL 33162 | HEALTH OPTIONS | $3K | — | $3K | 4.68% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | HEALTH OPTIONS | $714 | — | $714 | 1.32% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 7.52% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE | 1100 NE 163RD ST 2ND FLOOR MIAMI, FL 33162 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 7.36% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $2K | $2K | $4K | 11.26% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $823 | — | $823 | 2.52% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGCY INC | 500 JIM MORGAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL INSURANCE COMPANY | $806 | — | $806 | 2.47% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $940 | $4K | 14.27% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 STREET N MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $833 | — | $833 | 8.63% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGCY INC | 500 JIM MORAN BLVD FIADF # 107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $325 | — | $325 | 3.37% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 | 1100 N.E. 163RD ST SECOND FLOOR NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $721 | $426 | $1K | 17.52% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIM MORAN BLVD FIADF #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | — | $261 | 3.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $127 | $469 | $596 | 9.79% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGCY INC | 500 JIM MORGAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL INSURANCE COMPANY | $101 | — | $101 | 1.66% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $76 | — | $76 | 1.25% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INS ASSOC LLC | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $281 | $488 | $769 | 12.70% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGCY INC | 500 JIM MORGAN BLVD #107 DEERFIELD BEACH, FL 33442 | THE LINCOLN NATIONAL INSURANCE COMPANY | $181 | — | $181 | 2.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: RACHEL SAPOZNIK | 1100 NE 163 ST NORTH MIAMI BEACH, FL 33162 | THE LINCOLN NATIONAL INSURANCE COMPANY | $144 | — | $144 | 2.38% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 105 | $594K |
| Dental(2 contracts) | THE LINCOLN NATIONAL INSURANCE COMPANY | 56 | $39K |
| Vision | THE LINCOLN NATIONAL INSURANCE COMPANY | 59 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $30K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 105 | $594K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 211 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.