| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | $0 | $18K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $12K | $0 | $12K | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | HEALTH OPTIONS, INC | $8K | $0 | $8K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | HEALTH OPTIONS, INC | $5K | $0 | $5K | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PARKWAY, PLAZA 1 SUITE 1300 LIVINGSTON, NJ 07039 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.69% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.93% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED & TECHNOLOGY SO | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.33% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.37% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $852K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $852K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.