| 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 | $22K | $110K | $131K | 5.86% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 021101700 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.33% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD # 204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.41% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INC SVCS INC | 10524 MOSS PARK RD # 204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.61% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD # 204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.77% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $22K | — | $22K | 37.90% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.18% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD # 204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.25% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA, JOSEPH A., SR. - BOR | 3696 N FEDERAL HWY, #202 FT. LAUDERDALE, FL 33308 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $2K | — | $2K | 15.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $1K | — | $1K | 17.12% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $53 | — | $53 | 1.08% |
| KELLEY J RHEAULT4 | 155 CONCHA DR SEBASTIAN, FL 32958 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $157 | — | $157 | 10.41% |
| LAROCCA AND ASSOCIATES INC4 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $94 | — | $94 | 6.23% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET FOURTH FLOOR BOSTON, MA 02110 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $20 | — | $20 | 19.61% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 317 | $16K |
| Life insurance(8 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $190K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $75K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $121K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 506 | $2.2M |
| Other(9 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.