| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | $181K | $208K | 5.78% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $5K | $33K | 11.64% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.17% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY, SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.73% |
| BROOKS VENTURES INC3 Filed as: BROOKS VENTURES, INC. | 7111 NW 46TH COURT LAUDERHILL, FL 33319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $961 | $0 | $961 | 1.58% |
| LARISSA A MARCHSTEINER3 Filed as: LARISSA A. MARCHSTEINER | 14408 76TH ROAD NORTH LOXAHATCHEE, FL 33470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | $0 | $942 | 1.55% |
| L.A.D. FIN. CORP. AND OTHER AGENTS3 | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $776 | $0 | $776 | 1.28% |
| 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 | 0.41% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 10.76% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 399 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 399 | $3.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 744 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $286K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $286K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $286K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 399 | $3.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.