| 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. | $24K | $0 | $24K | 3.53% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 3.93% |
| GEHRING GROUP3 Filed as: GEHRING GROUP, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 13.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 11.44% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.22% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $887 | $0 | $887 | 10.88% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 79 | $931K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 125 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $87K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 79 | $931K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.