| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSOC INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | BLUE CROSS BLUE SHIELD OF FLORIDA | $98K | — | $98K | 6.00% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY | $18K | $9K | $27K | 11.33% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.56% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY | -$368 | — | -$368 | -0.15% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES INC. | 3696 N FEDERAL HWY STE 202 FT LAUDERDALE, FL 33308 | HEALTH OPTIONS, INC. | $9K | — | $9K | 6.00% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSSOCIATES, INC. | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | EYEMED VISION CARE | $1K | — | $1K | 10.05% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 154 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 236 | $240K |
| Vision | EYEMED VISION CARE | 203 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 236 | $240K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 236 | $240K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 236 | $240K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 154 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 236 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.