| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $81K | $5K | $86K | 31.73% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 6.86% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.57% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INV SVCS INC | 10524 MOSS PARK RD. #204-30 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.66% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SOL. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $734 | $734 | 1.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 9.16% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.69% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SOL. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $576 | $576 | 2.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.64% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INV SVCS INC | 10524 MOSS PARK RD #204-30 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $857 | $857 | 3.70% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SOL | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $464 | $464 | 2.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $302 | $302 | 1.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.89% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.66% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 Filed as: INTEGRATED ENROLLMENT & TECH SLTNS | 3696 NORTH FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $255 | $255 | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $853 | $853 | 7.24% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 168 | $271K |
| Dental(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $120K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $29K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.