| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96K | $24K | $121K | 15.01% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $11K | $52K | 15.21% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATON | 101 S GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.00% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PLAM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $8K | $50K | 17.80% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATON | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.00% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $7K | $42K | 18.03% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $436 | $7K | 12.75% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $847 | $5K | 18.06% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP INC | 4200 NORTHCORP PARKWAY, STE 185 PALM BEACH GARDENS, FL 33410 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $651 | $3K | 15.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Other insurance fees and expenses; Claims processing Service code 12 | — | $59K |
| WARREN AVERETT LLC EIN 45-4084437 NONE | Consulting fees; Accounting (including auditing) Service code 10 | — | $35K |
| ITEDIUM EIN 48-1244303 NONE | Contract Administrator; Claims processing Service code 12 | — | $16K |
| BURR & FOREMAN NONE | Legal Service code 29 | 420 NORTH 20TH STREET, SUITE 3400 BIRMINGHAM, AL 35203 | $12K |
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 | 1,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,894 | $11.5M |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,684 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,733 | $281K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,686 | $343K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,894 | $11.5M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,894 | $11.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,894 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.