| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | $0 | $32K | 3.00% |
| GEHRING GROUP INS. SERVICES3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | HEALTH OPTIONS, INC. | $23K | $0 | $23K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 PLAZA 2 250 PHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | SYMETRA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.17% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SYMETRA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 6.50% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.53% |
| MARGARET PEARSON3 Filed as: MARGARET ANN PEARSON | 1 BAY HARBOR ROAD JUPITER, FL 33469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.52% |
| M PEARSON ASSOCIATE CORP3 | 1250 OLD DIXIE HIGHWAY SUITE 202 LAKE PARK, FL 33403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $523 | $0 | $523 | 1.64% |
| CHRISTOPHER W GRAHAM3 Filed as: CHRISTOPHER DUANE LEE | 837 SE COURANCES DRIVE PORT SAINT LUCIE, FL 34984 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | $0 | $204 | 0.64% |
| LESLEY ANN KEENAN AND OTHER AGENTS3 | 3000 SOUTH HIGHWAY A1A UNIT 202 JUPITER, FL 33477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.54% |
| ETHAN GREER3 | 558 CINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | $0 | $167 | 0.52% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 STARCREST DRIVE CLEARWATER, FL 33765 | COMPBENEFITS COMPANY | $759 | $0 | $759 | 6.61% |
| GEHRING GROUP INS. SERVICES3 Filed as: GEHRING GROUP | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | COMPBENEFITS COMPANY | $365 | $0 | $365 | 3.18% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | COMPBENEFITS COMPANY | — | $270 | $270 | 2.35% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 75 | $1.8M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 119 | $83K |
| Vision | HUMANA INSURANCE COMPANY | 119 | $71K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 154 | $130K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 154 | $130K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 154 | $130K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 66 | $1.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 154 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.