| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 6.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC AMS-LEG | PO BOX 736061 CHICAGO, IL 60673 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.94% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.06% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH LAROCCA SR. | 3696 N.FEDERAL HWY., STE 202 FORT LAUDERDALE, FL 33308 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.56% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $922 | $922 | 6.11% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $649 | $649 | 5.61% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE | PO BOX 736061 CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 19.98% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $580 | $580 | 5.55% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $41 | — | $41 | 11.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $10K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 425 | $251K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 396 | $28K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.