| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | $5K | $49K | 16.05% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $415 | $6K | 10.55% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.18% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 9.40% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Named fiduciary; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE CARRIER | Claims processing; Insurance services 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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $302K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $35K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $302K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.