| 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 | $12K | — | $12K | 4.19% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $139 | $2K | $2K | 0.81% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $289 | $5K | 15.92% |
| 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 | — | $2K | $2K | 5.25% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $140 | $3K | 15.88% |
| 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 | — | $801 | $801 | 5.01% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $800 | $800 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $132 | $2K | 15.92% |
| 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 | — | $754 | $754 | 5.25% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $718 | $718 | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $98 | $2K | 20.87% |
| 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 | — | $561 | $561 | 4.95% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $769 | $70 | $839 | 10.91% |
| 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 | — | $398 | $398 | 5.18% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $63 | $1K | 20.92% |
| 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 | — | $358 | $358 | 5.21% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $893 | $54 | $947 | 15.91% |
| 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 | — | $309 | $309 | 5.19% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $298 | $298 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Insurance services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $2K |
| CIGNA HEALTH & LIFE INSURANCE | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $288K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $14K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.