| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | $3K | $85K | 6.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.50% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.36% |
| ROBERT M NOE3 Filed as: ROBERT M. NOE | 422 WESTBRIDGE DRIVE KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $553 | — | $553 | 0.63% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | TRANSAMERICA LIFE INSURANCE COMPANY | $418 | — | $418 | 0.48% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | $4K | $11K | 14.94% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SOL | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.50% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.4M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 171 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.