| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $146K | $170K | 5.63% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $4K | $30K | 11.56% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 15.97% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.01% |
| MARY ELLEN MORRIS P.A.3 | 4580 SE ROCKY POINT WAY STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.18% |
| M PEARSON ASSOCIATES CORP3 Filed as: M PEARSON ASSOC. AND OTHER AGENTS | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $910 | — | $910 | 0.90% |
| CLINTON A. TROTTA3 | 56 STONEY DRIVE, SUITE 315 PALM BEACH GARDEN, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $894 | — | $894 | 0.88% |
| ZORAIDA ROSADO3 | 5203 SE 43RD TRACE OKEECHOBEE, FL 34974 | CONTINENTAL AMERICAN INSURANCE COMPANY | $815 | — | $815 | 0.80% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $790 | — | $790 | 0.78% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE | $4K | — | $4K | 10.89% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 727 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 727 | $3.0M |
| Vision | EYEMED VISION CARE | 627 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $258K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $258K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $258K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 727 | $3.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 309 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.