| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP3 | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | $234K | $268K | 4.48% |
| GEHRING GROUP3 | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $0 | $39K | 10.00% |
| GEHRING GROUP3 | 4200 NORTHCORP PARWKAY, SUITE 185 WEST PALM BEACH, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10 | $10 | 0.00% |
| GEHRING GROUP3 | 4200 NORTHCORP PARWKAY, SUITE 185 WEST PALM BEACH, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 10.63% |
| GEHRING GROUP3 | 4200 NORTHCORP PARWKAY, SUITE 185 PALM BEACH GARDENS, FL 65036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.98% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY, SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS & VARIOUS AGENTS | 2081 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $487 | $0 | $487 | 0.93% |
| CORP M. PEARSON ASSOCIATES3 | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.46% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL GROUP | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 0.30% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.21% |
| MARY ELLEN MORRIS P.A.3 Filed as: A. MARY ELLEN MORRIS P. | 4580 SE ROCKY POINT WAY STUART, FL 34997 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.21% |
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 | 515 | 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) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 515 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 515 | $6.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 955 | $53K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $392K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $392K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $392K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 515 | $6.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.