| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 4.50% |
| LAROCCA & ASSOC, INC3 Filed as: LAROCCA & ASSOC INC | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.87% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 9.37% |
| LAROCCA AND ASSOCIATES INC3 | 600 CORPORATE DRIVE #650 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $972 | — | $972 | 9.80% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HIGHWAY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $682 | $2K | 30.54% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA, INC | P.O. BOX 203334 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 2.00% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $803K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $75K |
| Vision | HUMANA INSURANCE COMPANY | 86 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5 | $6K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.