Welfare broker

SAPOZNIK INSURANCE & ASSOCIATES INC

Mailing address (most recent filing)

1100 NE 163RD ST

NORTH MIAMI BEACH, FL 33162

Total comp: $2.6M
Commissions: $1.3M
Fees: $1.3M
Filings: 65
Sponsors: 65

Carrier mix

Where SAPOZNIK INSURANCE & ASSOCIATES INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$2.1M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
FL	1	$2.1M	0.0%	25.39x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of SAPOZNIK INSURANCE & ASSOCIATES INC's plans by broker comp / premium ratio. Median 2.96% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of SAPOZNIK INSURANCE & ASSOCIATES INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where SAPOZNIK INSURANCE & ASSOCIATES INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AD1 WHOLESALE LLC AD1 WHOLESALE LLC HEALTH AND WELFARE BENEFIT PLAN	FL	$2.1M	$64K	UNITEDHEALTHCARE INSURANCE COMPANY