| 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 | $26K | $149K | $174K | 5.66% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $5K | $29K | 12.17% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDEN, FL 65036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.43% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY, SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.17% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 0.35% |
| M PEARSON ASSOCIATES CORP3 Filed as: M. PEARSON ASSOCIATES CORPORATION | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 0.34% |
| MJ INSURANCE3 Filed as: ZORAIDA ROSADO AND VARIOUS AGENTS | 5203 SE 43RD TRACE OKEECHOBEE, FL 34974 | CONTINENTAL AMERICAN INSURANCE COMPANY | $217 | $0 | $217 | 0.29% |
| MARY ELLEN MORRIS P.A.3 Filed as: MARY ELLEN MORRIS, P.A. | 4580 SE ROCKY POINT WAY STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $210 | $0 | $210 | 0.28% |
| CLINTON A. TROTTA3 | 56 STONEY DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | $0 | $196 | 0.26% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 8.52% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $298 | $0 | $298 | 0.75% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $3.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 578 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $240K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $240K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $240K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $3.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.