| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $141K | $183K | 5.82% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST SECOND FLOOR BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 0.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR, CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.79% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $2K | $19K | 16.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR, CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $854 | $11K | 16.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR, CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $140 | $2K | 16.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR, CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $522 | $522 | 5.01% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $522 | $522 | 5.01% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $3.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $3.1M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 692 | $75K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $117K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $132K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 692 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.