| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $33K | $35K | 0.67% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $24K | $25K | 0.48% |
| RSC INSURANCE BROKERAGE INC3 | 3696 NORTH FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | GUARDIAN | $25K | — | $25K | 10.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | GUARDIAN | — | $11K | $11K | 4.47% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECHNO | 3696 NORTH FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | GUARDIAN | $4K | — | $4K | 1.50% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY 202 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 8.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.75% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY 202 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.06% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY 202 FT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.25% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.48% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.23% |
| 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 | 2.29% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.41% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.66% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| 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 | $1K | — | $1K | 2.24% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $864 | $864 | 1.37% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BORKERAGE INC | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 N FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| 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 | $1K | — | $1K | 1.85% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $750 | $750 | 1.29% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 853 | $5.2M |
| Dental | GUARDIAN | 480 | $246K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $134K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $122K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 888 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.