| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 29977 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $113K | $123K | 4.58% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 27046 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.13% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 27046 | UNITEDHEALTHCARE INSURANCE COMPANY | -$15K | $0 | -$15K | -0.57% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | HUMANA MEDICAL PLAN, INC. | $49K | $481 | $49K | 3.05% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATES, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FT. LAUDERDALE, FL 33308 | HUMANA MEDICAL PLAN, INC. | $4K | $0 | $4K | 0.23% |
| LOCKTON COMPANIES, LLC3 | 201 SOUTH BISCAYNE BOULEVARD SUITE 2850 MIAMI, FL 33131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $1K | $55K | 13.18% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.00% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL | 950 PENINSULA CORPORATION CIRCLE SUITE 3007 BOCA RATON, FL 33487 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| SANDRA VELAZQUEZ3 | 6374 SOUTHWEST 22ND STREET MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 40.49% |
| MARIA C ORTIZ3 Filed as: MARIA C. ORTIZ | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.91% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 29977 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 568 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 568 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 568 | $2.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $417K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $417K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $417K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 568 | $4.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 620 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.