| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AETNA HEALTH, INC. | — | $73K | $73K | 3.94% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH, FL 33410 | AETNA HEALTH, INC. | — | $23K | $23K | 1.23% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AETNA LIFE INSURANCE COMPANY | $39K | $24K | $63K | 6.06% |
| GEHRING GROUP INS. SERVICES3 | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | AETNA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 0.93% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 11.16% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $987 | — | $987 | 2.72% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $29K | — | $29K | 347.93% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $23K | — | $23K | 279.96% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $23K | — | $23K | 279.96% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 100.00% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 688 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 688 | $1.0M |
| Vision | HUMANA INSURANCE COMPANY | 245 | $36K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 688 | $1.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 688 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 480 | $1.9M |
| Other | AETNA LIFE INSURANCE COMPANY | 688 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.