| 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 | $30K | — | $30K | 5.05% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 4.99% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 16.39% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 2630 W BROWARD BLVD STE 203-675 FORT LAUDERDALE, FL 33312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.48% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $2K | — | $2K | 7.70% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $1K | — | $1K | 9.88% |
| 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 | $847 | — | $847 | 9.68% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 100 | $756K |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 63 | $40K |
| Vision | EYEMED VISION C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | 133 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $48K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $48K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 100 | $756K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.