| 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 | $3K | $43K | $47K | 1.08% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.19% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | GUARDIAN | $24K | $10K | $33K | 14.20% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY 202 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $6K | $26K | 19.02% |
| 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 | $10K | $3K | $13K | 20.04% |
| 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 | $9K | $3K | $12K | 19.87% |
| 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 | $9K | $3K | $12K | 19.93% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 716 | $4.3M |
| Dental | GUARDIAN | 497 | $235K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 729 | $122K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 376 | $137K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 728 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.