| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUST INSURANCE AGENCY LLC3 Filed as: RUST INSURANCE AGENCY | 1510 H STREET NW, 5TH FLOOR WASHINGTON, DC 20005 | GHMSI | $12K | $1K | $13K | 2.00% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP AMERICA | PO BOX 10100 MCLEAN, VA 22102 | GHMSI | — | $4K | $4K | 0.55% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP, INC. | 11505 FAIRSCHILD GARDENS SUITE 202 PALM BEACH, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $5K | $20K | 7.42% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 4.53% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP, INC. | 4200 NORTHCORP PARKWAY, SUITE 185 WEST PALM BEACH, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.29% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.85% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP, INC. | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE | $1K | — | $1K | 5.08% |
| WHIPPLE AND COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | EYEMED VISION CARE | $968 | — | $968 | 4.19% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 184 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $104K |
| Vision | EYEMED VISION CARE | 388 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $264K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $264K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $264K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 184 | $3.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
No prospect flags tripped on this filing.