| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HEALTH OPTIONS, INC. | $27K | $0 | $27K | 2.89% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INSURANCE, INC. | 101 STARCREST DRIVE CLEARWATER, FL 33765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 7.04% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 4.48% |
| M PEARSON ASSOCIATES & OTHER AGENTS3 | 1250 OLD DIXIE HIGHWAY LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 4.13% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR ROAD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.61% |
| MELISSA ANNE DUNLAP3 | 5720 SOUTHWIND DRIVE MULBERRY, FL 33860 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.46% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER DUANE LEE | 837 SE COURANCES DRIVE PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS, LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SYMETRA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 7.23% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR PO BOX 970069 BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $0 | $1K | $1K | 1.57% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | MANHATTANLIFE | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COMPBENEFITS COMPANY | $2K | $0 | $2K | 7.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR PO BOX 970069 BOSTON, MA 02110 | COMPBENEFITS COMPANY | — | $637 | $637 | 2.89% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | COMPBENEFITS COMPANY | $615 | $0 | $615 | 2.79% |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 91 | $939K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 213 | $113K |
| Vision | HUMANA INSURANCE COMPANY | 213 | $91K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 452 | $153K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 452 | $153K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 452 | $153K |
| Prescription drug | HEALTH OPTIONS, INC. | 91 | $939K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 452 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.