| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $0 | $98K | $98K | 2.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 0.25% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SYMETRA LIFE INSURANCE COMPANY | $54K | $13K | $67K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PHLE AVENUE WEST, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.48% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR ROAD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 6.90% |
| SVETLANA MAGILNER3 Filed as: SVETLANA MAGILNER AND OTHER AGENTS | 7400 SW 50TH TERRACE, SUITE 300 APARTMENT 707 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 5.52% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER DUANE LEE | 837 SE COURANCES DRIVE PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 4.94% |
| M PEARSON ASSOCIATES CORP3 | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 2.42% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.95% |
| GEHRING GROUP3 Filed as: GEHRING GROUP, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.48% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS, LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.10% |
| GEHRING GROUP3 | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $26K | $0 | $26K | 7.74% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $0 | $6K | $6K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 1.48% |
| GEHRING GROUP3 | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | COMPBENEFITS COMPANY | $4K | $0 | $4K | 7.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | COMPBENEFITS COMPANY | $0 | $2K | $2K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COMPBENEFITS COMPANY | $808 | $0 | $808 | 1.49% |
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 | 1,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 351 | $3.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 628 | $396K |
| Vision | HUMANA INSURANCE COMPANY | 628 | $342K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,509 | $433K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,509 | $433K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,509 | $433K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 351 | $3.5M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,509 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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.