| 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 | $37K | $274K | $312K | 4.35% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 10.00% |
| GEHRING GROUP3 Filed as: GEHRING GROUP, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.26% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR ROAD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.74% |
| LARISSA MARCHSTEINER & OTHER AGENTS3 | 104 PARADISE HARBOUR BOULEVARD UNIT 106 NORTH PALM BEACH, FL 33408 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | $0 | $411 | 0.65% |
| M PEARSON ASSOCIATES CORP3 Filed as: M. PEARSON ASSOCIATES CORPORATION | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | $0 | $153 | 0.24% |
| BROOKS VENTURES INC3 Filed as: BROOKS VENTURES, INC. | 4955 NW 82ND AVENUE LAUDERHILL, FL 33351 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.15% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE MARIE SINTAY | 800 SCOTIA DRIVE, SUITE 205 HYPOLUXO, FL 33462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | $0 | $87 | 0.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 9.15% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$5 | $0 | -$5 | -0.01% |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 533 | $7.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 533 | $7.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 981 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $495K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $495K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $495K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 533 | $7.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.