| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | HEALTH OPTIONS, INC. | $42K | $0 | $42K | 5.00% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 19.57% |
| K CONS. SOL. LLC AND OTHER AGENTS3 | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 6.94% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOUR ROAD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 5.22% |
| SHARONA ABADI3 | 18151 NE 131ST COURT APARTMENT 1017 AVENTURA, FL 33160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.95% |
| M PEARSON ASSOCIATES CORP3 Filed as: M PEARSON ASSOCIATES CORPORATION | 1250 OLD DIXIE HIGHWAY, SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.84% |
| JUAN C SOSA3 Filed as: JUAN CARLOS SOSA | 7875 RED RIVER ROAD WEST PALM BEACH, FL 33411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.66% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SYMETRA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 18.89% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $8K | $3K | $11K | 14.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | MANHATTANLIFE | $3K | $0 | $3K | 10.06% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | COMPBENEFITS COMPANY | $2K | $1K | $3K | 16.99% |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 86 | $838K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 187 | $95K |
| Vision | HUMANA INSURANCE COMPANY | 187 | $77K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 538 | $157K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 538 | $157K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 538 | $157K |
| Prescription drug | HEALTH OPTIONS, INC. | 86 | $838K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 538 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.