| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | $0 | $42K | 7.00% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | BLUE CROSS BLUE SHIELD OF FLORIDA | $776 | — | $776 | 0.13% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS PALM BEACH GARDENS, FL 33410 | HEALTH OPTIONS, INC. | $16K | $0 | $16K | 7.00% |
| GEHRING GROUP3 | 3500 KYOTO GARDENS DRIVE WEST PALM BEACH, FL 33410 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 9.74% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR POST BOX 970069 BOSTON, MA 02110 | HUMANA INSURANCE COMPANY | $0 | $276 | $276 | 0.56% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | USABLE LIFE | $3K | $297 | $3K | 18.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | SYMETRA LIFE INSURANCE COMPANY | $2K | $708 | $3K | 28.68% |
| GEHRING GROUP3 Filed as: THE GEHRING GROUP | 3500 KYOTO GARDENS DRIVE PALM BEACH GARDENS, FL 33410 | FLORIDA COMBINED LIFE | $481 | $0 | $481 | 10.00% |
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 | 112 | 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) | 112 | 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 | 29 | $820K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 264 | $54K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 13 | $599K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 112 | $10K |
| Short-term disability | USABLE LIFE | 16 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 29 | $820K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 112 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.