| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | TRANSAMERICA INSURANCE CO. | $15K | — | $15K | 18.07% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $12K | — | $12K | 15.06% |
| AMWINS3 | 50 WHITECAP DRIVE STE 202 NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 7.96% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | $6K | — | $6K | 7.61% |
| IMPACT INTERACTIVE LLC3 | PO BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. | $2K | — | $2K | 1.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.80% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | HEALTH OPTIONS, INC | $1K | — | $1K | 4.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS, INC | $862 | — | $862 | 2.70% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD LOCKBOX 741738 COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.92% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $862 | $2K | 11.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD LOCKBOX 741738 COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $752 | $2K | 10.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD LOCKBOX 741738 COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.42% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | $571 | $1K | 10.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD RD LOCKBOX 741738 COLLEGE PARK, GA 30349 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.71% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $607 | — | $607 | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1111 BRICKELL AVE STE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | — |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | — |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 115 | $32K |
| Dental | FLORIDA COMBINED LIFE | 117 | $75K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 96 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $29K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 115 | $32K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 165 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.