| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | AETNA HEALTH, INC. | — | $5K | $5K | 0.55% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $25K | 15.35% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.00% |
| ROBERT M NOE3 | 422 WESTBRIDGE DRIVE KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $159 | — | $159 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAROCCA & ASSOCIATES BROKER | Insurance services; Consulting (general); Insurance brokerage commissions and fees; Other services; Other insurance fees and expenses; Insurance agents and brokers; Consulting fees Service code 16 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | $44K |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1 | $4K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $164K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $164K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $164K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.