| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $5K | $35K | 17.66% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.00% |
| 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 | $15K | $3K | $17K | 17.57% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| 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 | $11K | $2K | $13K | 17.51% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA, JOSEPH A | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.50% |
| 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 | $4K | $1K | $5K | 12.67% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $833 | $6K | 17.46% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $676 | $676 | 2.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $690 | $5K | 17.47% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $559 | $559 | 2.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH ANTHONY LAROCCA | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.79% |
| JOSEPH P CALARCO3 Filed as: JOSEPH ANTHONY LAROCCA | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.56% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $125 | $29 | $154 | 12.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $222K |
| LAROCCA AND ASSOCIATES INC EIN 59-2406398 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $126K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $61K |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | U.S. FIRE INSURANCE COMPANY | 336 | $397K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $197K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 907 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $99K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $34K |
| Stop-loss / reinsurancereinsurance | U.S. FIRE INSURANCE COMPANY | 336 | $397K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 907 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.