| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP INC. | 13701 SW 88TH STREET SUITE 307 MIAMI, FL 33186 | AVMED | $19K | — | $19K | 8.75% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA AND ASSOCIATS, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | AVMED | $4K | — | $4K | 1.61% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 8.93% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP INC | 13701 SW 88 ST STE 307 MIAMI, FL 33186 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 5.55% |
| LAROCCA AND ASSOCIATES INC3 | 3696 NORTH FEDERAL HWY 202 FORT LAUDERDALE, FL 33308 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $703 | — | $703 | 1.54% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $549 | — | $549 | 1.21% |
| DSM FINANCIAL LLC3 | 950 PENINSULA CORP CR STE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $343 | — | $343 | 0.75% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP INC | 13701 SW 88 ST SUITE 307 MIAMI, FL 33186 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 7.39% |
| LAROCCA AND ASSOCIATES INC3 Filed as: LAROCCA & ASSOC INC | 3696 NORTH FEDERAL HWY SUITE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $513 | — | $513 | 1.73% |
| FIDELITY INSURANCE AGENCY INC3 | 500 JIMM MORAN BLVD FIADF107 DEERFIELD BEACH, FL 33442 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $246 | — | $246 | 0.83% |
| ANA AIZCORBE3 Filed as: ANA V GONZALEZ | 13701 SW 88 ST STE 301 MIAMI, FL 33186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.23% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $886 | — | $886 | 3.76% |
| ANA AIZCORBE3 Filed as: ANA V GONZALEZ | 13701 SW 88 ST STE 301 MIAMI, FL 33186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.63% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $505 | — | $505 | 3.36% |
| ANA AIZCORBE3 Filed as: ANA V GONZALEZ | 13701 SW 88 ST STE 301 MIAMI, FL 33186 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $721 | — | $721 | 9.15% |
| LAROCCA AND ASSOCIATES INC3 | 3696 N FEDERAL HWY #202 FORT LAUDERDALE, FL 33308 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 2.86% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVMED | 120 | $220K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $30K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $24K |
| Other(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 146 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.