| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $31K | — | $31K | 5.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.00% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT COMPANY | $4K | $4K | $9K | 9.31% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | COLONIAL LIFE & ACCIDENT COMPANY | $7K | — | $7K | 7.38% |
| JOSEPH P CALARCO3 Filed as: JOSEPH ANTHONY LAROCCA | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT COMPANY | $5K | — | $5K | 5.22% |
| GARY G OLIVERA3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT COMPANY | $4K | — | $4K | 4.71% |
| CAROL CAPELLAN3 | 2206 S CYPRESS BEND DRIVE POMPANO BEACH, FL 33069 | COLONIAL LIFE & ACCIDENT COMPANY | $704 | — | $704 | 0.77% |
| DIANE CUNNINGHAM3 Filed as: DIANE SUSAN CUNNINGHAM | 18765 SE RIVER RIDGE ROAD TEQUESTA, FL 33469 | COLONIAL LIFE & ACCIDENT COMPANY | $669 | — | $669 | 0.73% |
| JASON HARRY BROCKENBERRY3 | 1580 W 53RD ST HIALEAH, FL 33012 | COLONIAL LIFE & ACCIDENT COMPANY | $125 | $10 | $135 | 0.15% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 16.43% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $3K | — | $3K | 10.13% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $849 | — | $849 | 6.46% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSOCAITES INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | EYEMED VISION C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $878 | — | $878 | 9.72% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $778K |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $97K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $64K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 183 | $146K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $55K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $55K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $778K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT COMPANY | 183 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.