| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES INC. | 600 CORPORATE DR FORT LAUDERDALE, FL 34202 | HEALTH OPTIONS, INC. | $73K | — | $73K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $14K | 12.03% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.14% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 600 CORPORATE DR FORT LAUDERDALE, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 4.96% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $11K | — | $11K | 22.11% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $411 | — | $411 | 0.84% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $8K | — | $8K | 16.28% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $392 | — | $392 | 0.84% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 23.43% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $7K | — | $7K | 21.83% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $261 | — | $261 | 0.84% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $3K | — | $3K | 17.95% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $139 | — | $139 | 0.84% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | USABLE LIFE | $195 | — | $195 | 17.57% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $9 | — | $9 | 0.81% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $15 | — | $15 | 10.14% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 223 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $113K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $113K |
| Life insurance(3 contracts) | USABLE LIFE | 368 | $49K |
| Short-term disability | USABLE LIFE | 368 | $49K |
| Long-term disability | USABLE LIFE | 71 | $47K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 223 | $1.5M |
| Other(6 contracts, 3 carriers) | USABLE LIFE | 368 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.