| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | $0 | $29K | 6.00% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $3K | $29K | 15.61% |
| WHIPPLE AND COMPANY3 | 6100 GLADES ROAD, SUITE 310 BOCA RATON, FL 33434 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $566 | $3K | 1.60% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $8K | $0 | $8K | 4.55% |
| GEHRING GROUP INS. SERVICES3 | 4200 NORTHCORP PARKWAY, SUITE 185 PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | $0 | $9K | 6.00% |
| MELISSA LEA WHIPPLE3 | 9163 REDONDA DRIVE BOCA RATON, FL 33496 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 5.16% |
| MELITA-MCDONALD INSURANCE SERVICES3 | 50 WEST SAN FERNANDO STREET SUITE 1350 SAN JOSE, CA 95113 | KAISER FOUNDATION HEALTH PLAN INC | -$101 | $0 | -$101 | -0.18% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | EYEMED | $2K | $0 | $2K | 12.19% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 55 | $863K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $183K |
| Vision | EYEMED | 256 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $183K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $183K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $183K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 55 | $863K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.