| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. JOSEPH | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 333086262 | HEALTH OPTIONS, INC. | $51K | — | $51K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 11.87% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.81% |
| VOLUNTARY INS GROUP INC3 | 11705 NW 82ND CT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $313 | — | $313 | 0.77% |
| ROMO JENNIFER3 | 841 E 18TH ST HIALEAH, FL 33013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.31% |
| OLIVERA GARY3 | 63200 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.28% |
| WINBERRY JASON3 | 1205 OGILVIE DR. NE ATLANTA, GA 30324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.18% |
| VOLUNTARY INS GROUP INC3 | 11705 NW 82ND CT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $957 | — | $957 | 4.25% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.64% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 0.32% |
| ROMO JENNIFER3 | 841 E 18TH ST HIALEAH, FL 33013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.28% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $865 | — | $865 | 6.13% |
| VOLUNTARY INS GROUP INC3 | 11705 NW 82ND CT PARKLAND, FL 33076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $730 | — | $730 | 5.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | PO BOX 736061 CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.36% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.34% |
| WINBERRY JASON3 | 1205 OGILVIE DR. NE ATLANTA, GA 30324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.16% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 96 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $219K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $219K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $236K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 96 | $1.6M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 295 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.