| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA HEALTH INC. | $0 | $61K | $61K | 2.53% |
| WHIPPLE AND COMPANY3 Filed as: WHIPPLE AND COMPANY, INC. | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AETNA HEALTH INC. | $0 | $39K | $39K | 1.63% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AETNA LIFE INSURANCE COMPANY | $38K | $20K | $58K | 4.47% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | AETNA LIFE INSURANCE COMPANY | $21K | $14K | $35K | 2.69% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $43K | $0 | $43K | 7.97% |
| THE SOUTHERN REGION LLC3 Filed as: THE SOUTHERN REGION, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $27K | $0 | $27K | 5.00% |
| DSM FINANCIAL LLC3 Filed as: DSM FINANCIAL, LLC | 950 PENINSULA CORP CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $27K | $0 | $27K | 5.00% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $249 | $0 | $249 | 0.05% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 15.80% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 12.38% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC. | 716 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 716 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 271 | $40K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 716 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 716 | $1.3M |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH INC. | 716 | $4.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 716 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.