| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $182K | — | $182K | 22.65% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 12.22% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 28.84% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.93% |
| MARY ELLEN MORRIS P.A.3 | 4580 SE ROCKY POINT WAY STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| CLINTON A. TROTTA3 | 56 STONEY DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| ZORAIDA ROSADO3 | 5203 SE 43RD TRACE OKEECHOBEE, FL 34974 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.25% |
| MJ INSURANCE3 Filed as: JEANNE CARLONE AND VARIOUS AGENTS | 573 SCRUBJAY LANE JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $981 | — | $981 | 1.20% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE | $3K | — | $3K | 9.17% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 734 | $805K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 734 | $805K |
| Vision | EYEMED VISION CARE | 660 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $200K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $200K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $200K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 734 | $805K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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.