| 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 | $12K | — | $12K | 5.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| 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 | $1K | $6K | 14.35% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD 203-675 FORT LAUDERDALE, FL 33312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.56% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $2K | — | $2K | 7.99% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.95% |
| 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 | $2K | — | $2K | 11.70% |
| OLVIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | — | $205 | 1.34% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | FLORIDA COMBINED LIFE | $534 | — | $534 | 7.43% |
| RSC INSURANCE BROKERAGE INC3 | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $623 | — | $623 | 9.09% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | — | $411 | 6.41% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $342 | — | $342 | 5.34% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.92% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $393 | — | $393 | 6.48% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $332 | — | $332 | 5.47% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.94% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $264 | — | $264 | 6.90% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $220 | — | $220 | 5.75% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.99% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 6.48% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | — | $200 | 5.49% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.93% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | — | $182 | 6.78% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 6.07% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.67% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 6.55% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 5.58% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.93% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 6.36% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 5.34% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.89% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | — | $345 | 16.20% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 5.77% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.99% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 6.63% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 5.39% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 6.71% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 5.67% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.98% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 6.39% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 5.34% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.89% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 9.83% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 8.43% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 5.11% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 4.26% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.85% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 8.75% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP | 231 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 7.41% |
| OLIVERA GARY3 | 6320 ATLANTA ST HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.35% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $314K |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $79K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $49K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $42K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $42K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 79 | $314K |
| Other(16 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.