| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HIGHWAY STE 202 FT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $93K | — | $93K | 2.99% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES | PO BOX 24167 FT LAUDERDALE, FL 33307 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 0.74% |
| JOSEPH A LAROCCA SR3 Filed as: JOSEPH LAROCCA | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.22% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $16K | $48K | 22.49% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.49% |
| NATIONAL BENEFITS GROUP OF AMERICA3 Filed as: NATIONAL BENEFITS GROUP OF AME | 3102 W WATER AVE SUITE 103 TAMPA, FL 33614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $968 | $85K | 46.02% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $1K | $37K | 20.24% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $1K | $21K | 15.82% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $761 | $13K | 15.93% |
| ELIZABETH A SCHENK3 | PO BOX 1568 WINDERMERE, FL 34786 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.48% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $400 | $7K | 15.88% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $306 | $5K | 15.94% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $205 | $55 | $260 | 12.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS ADMINISTRATION | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $2K |
| CIGNA HEALTH & LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $2K |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 638 | $3.1M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $217K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $46K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 910 | $32K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 910 | $78K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 638 | $3.1M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 910 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.