| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 11505 FAIRCHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $43K | $58K | 4.52% |
| WHIPPLE & COMPANY3 | 4443 LYONS ROAD, SUITE 211 COCONUT CREEK, FL 33073 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $23K | $24K | 1.93% |
| WEEKES AND CALLAWAY, INC.3 Filed as: WEEKES & CALLAWAY, INC | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$21 | -$21 | -0.00% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 11505 FARICHILD GARDENS AVENUE SUITE 202 PALM BEACH GARDENS, FL 33410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.52% |
| WHIPPLE & COMPANY3 | 4443 LYONS ROAD, SUITE 221 COCONUT CREEK, FL 33073 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 4200 NORTHCORP PARKWAY SUITE 185 WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $664 | $84 | $748 | 6.78% |
| WHIPPLE & COMPANY3 | 4443 LYONS ROAD, SUITE 221 COCONUT CREEK, FL 33073 | HUMANA INSURANCE COMPANY | $407 | — | $407 | 3.69% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 106 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $90K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $90K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.