| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $55K | — | $55K | 5.00% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W. POWELL & CO | PO BOX 41490 JACKSONVILLE, FL 32203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $143 | — | $143 | 0.21% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W POWELL & CO | PO DRAWER 41490 219 N NEWMAN ST JACKSONVILLE, FL 32203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.39% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $449 | — | $449 | 2.15% |
| CECIL W POWELL & COMPANY3 Filed as: CECIL W POWELL & CO | PO DRAWER 41490 219 N NEWMAN ST JACKSONVILLE, FL 32203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $898 | — | $898 | 8.35% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | — | $177 | 1.65% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 93 | $1.1M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 224 | $68K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.