Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: RSC Insurance Brokerage Inc.-Larocc HealthRx | HealthRx | Pro |
Broker: RSC Insurance Brokerage Inc.-Larocc HealthRxHMO | HealthRxHMO | Pro |
Broker: RSC Insurance Brokerage Inc HealthOther | HealthOther | Pro |
Broker: RSC Insurance Brokerage Inc LTDSTDLifeOtherIndemnity | LTDSTDLifeOtherIndemnity | Pro |
Broker: RSC Insurance Brokerage Inc DentalPPOVisionHMOHealthRx | DentalPPOVisionHMOHealthRx | Pro |
Broker: Larocca & Associates Other | Other | Pro |
See premium, retention and renewal dates for 16 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Blue Cross Blue Shield of Florida | Pro |
Carrier: Health Options | Pro |
Carrier: Prosperity Life | Pro |
Carrier: Humana Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: Compbenefits Company | Pro |
Carrier: Beneflex Dba Clarity Benefit Solutions | Pro |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 185 | $1.1M |
| Dental(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 89 | $68K |
| Vision | HUMANA INSURANCE COMPANY | 107 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $27K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 72 | $966K |
| Other(7 contracts, 3 carriers) | PROSPERITY LIFE | 185 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.