| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $37K | $43K | 1.17% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | GUARDIAN | $21K | $9K | $30K | 14.25% |
| LA ROCCA AND ASSOC3 Filed as: LA ROCCA & ASSOCIAES INC | 3696 NORTH FEDERAL SUITE 202 FORT LAUDERDALE, FL 33308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL SUITE 202 FT LAUDERDALE, FL 33308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| JOSEPH SULLIVAN3 Filed as: JOSEPH P SULLVAN | 1105 NIKKI VIEW DR BRANDON, FL 33511 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 22.22% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 623 | $3.7M |
| Dental | GUARDIAN | 435 | $214K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 647 | $126K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 773 | $119K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 773 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.