| 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 | $29K | $146K | $175K | 5.16% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 6.98% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 3.02% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.57% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY, SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.11% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.30% |
| M PEARSON ASSOCIATES CORP3 Filed as: M. PEARSON ASSOCIATES CORP | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | $0 | $166 | 0.29% |
| MJ INSURANCE3 Filed as: ZORAIDA ROSADO AND VARIOUS AGENTS | 5203 SE 43RD TRACE OKEECHOBEE, FL 34974 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 0.28% |
| MARY ELLEN MORRIS P.A.3 | 4580 SE ROCKY POINT WAY STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 0.28% |
| CLINTON A. TROTTA3 | 56 STONEY DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.24% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.91% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 714 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 714 | $3.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 665 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $243K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $243K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $243K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 714 | $3.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.