| 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 | $43K | $244K | $287K | 4.04% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP, INC. | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $22K | $70K | 14.55% |
| 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. | $7K | — | $7K | 10.71% |
| GEHRING GROUP3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDEN, FL 65036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.31% |
| MARGARET A. PEARSON3 | 1250 OLD DIXIE HIGHWAY, SUITE 201 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| LARISSA A MARCHSTEINER3 Filed as: LARISSA A. MARCHSTEINER AND AGENTS | 14408 76TH ROAD NORTH LOXAHATCHEE, FL 33470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 0.66% |
| M PEARSON ASSOCIATES CORP3 Filed as: M. PEARSON ASSOCIATES CORPORATION | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.32% |
| BROOKS VENTURES INC3 Filed as: BROOKS VENTURES, INC. | 7111 NW 46TH COURT LAUDERHILL, FL 33319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.22% |
| CLINTON A. TROTTA3 | 56 STONEY DRIVE PALM BEACH GARDEN, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.18% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE M. SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.17% |
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 | 581 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 581 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 581 | $7.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,067 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 581 | $479K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 581 | $479K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 581 | $479K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 581 | $7.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 581 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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.