| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS | $25K | — | $25K | 5.01% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 5.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 3696 NORTH FEDERAL HIGHWAY 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 19.63% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD 203-675 FORT LAUDERDALE, FL 33312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.61% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $2K | — | $2K | 8.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $791 | — | $791 | 8.65% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 21.74% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.65% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 3.00% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSOCAITES INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | EYEMED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE COMPANY | $665 | — | $665 | 8.39% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.20% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.02% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 3.15% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 24.06% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.58% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | — | $221 | 3.43% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 23.49% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 21.86% |
| OLVIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 1.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 22.06% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $925 | — | $925 | 19.41% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 2.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $821 | — | $821 | 22.51% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | — | $703 | 19.28% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 3.24% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $741 | — | $741 | 21.12% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $640 | — | $640 | 18.24% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 2.88% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 19.21% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 16.68% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $581 | — | $581 | 23.01% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $497 | — | $497 | 19.68% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 3.25% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 20.54% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $448 | — | $448 | 17.76% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 2.70% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $491 | — | $491 | 20.80% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $423 | — | $423 | 17.92% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 2.80% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $550 | — | $550 | 23.34% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $485 | — | $485 | 20.59% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 3.06% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 25.54% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 21.58% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 3.72% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $904 | — | $904 | — |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | — | $774 | — |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | — |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $658K |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $81K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $52K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $44K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $44K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $658K |
| Other(15 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.