| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1101 99TH ST APT 6 GAY HARBOR ISLANDS, FL 33154 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $197 | $50K | 5.53% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI GARDENS, FL 33169 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.55% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE STE 305 BAY HARBOR ISLANDS, FL 33154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.64% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | — | $312 | 1.36% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1101 99TH ST #6 BAY HARBOR ISLANDS, FL 33154 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $818 | — | $818 | 7.46% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC- PATSEL | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $306 | — | $306 | 2.79% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $255 | — | $255 | 2.33% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC-JULI | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $204 | — | $204 | 1.86% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $204 | — | $204 | 1.86% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH LAROCCA JR | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $73 | — | $73 | 0.67% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE STE 305 BAY HARBOR ISLANDS, FL 33154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.39% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $175 | — | $175 | 1.61% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE STE 305 BAY HARBOR ISLANDS, FL 33154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.63% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $147 | — | $147 | 1.36% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $905 | — | $905 | 10.00% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1101 99TH ST #6 BAY HARBOR ISLANDS, FL 33154 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $650 | — | $650 | 7.33% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC- PATSEL | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $243 | — | $243 | 2.74% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $214 | — | $214 | 2.41% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION LLC- JULI | 7313 MERCHANT CT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $162 | — | $162 | 1.83% |
| AMG BRICKELL INC3 | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $162 | — | $162 | 1.83% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH LAROCCA JR | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $74 | — | $74 | 0.83% |
| PEARL BENEFITS GROUP INC3 Filed as: PEARL BENEFITS GROUP | 1160 KANE CONCOURSE STE 305 BAY HARBOR ISLANDS, FL 33154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 13.21% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $156 | — | $156 | 1.78% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $897K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 129 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $23K |
| Other(2 contracts) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 9 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.