| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 0.58% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 320826217 | FLORIDA COMBINED LIFE | $3K | — | $3K | 9.11% |
| FLORIDA BLUE3 Filed as: JIM GRIFFIN FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 4.87% |
| FLORIDA BLUE3 Filed as: CHARLES METZKES- FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $252 | — | $252 | 0.69% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | — | $313 | 1.31% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $735 | $3K | 18.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 1.32% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32802 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $446 | $2K | 18.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 10739 DEERWOOD PARK BOULEVARD SUITE 200 JACKSONVILLE, FL 32256 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $126 | — | $126 | 1.29% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | HEALTH OPTIONS | $288 | — | $288 | 3.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | HEALTH OPTIONS | $58 | — | $58 | 0.67% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $584 | — | $584 | 10.00% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH FLORIDA FINANCIAL CORP | 3664 COOLIDGE COURT TALLAHASSE, FL 32311 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.21% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $640 | $213 | $853 | 18.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 10739 DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62 | — | $62 | 1.33% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 91 | $653K |
| Dental | FLORIDA COMBINED LIFE | 98 | $36K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $29K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $16K |
| Prescription drug | HEALTH OPTIONS | 2 | $9K |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 192 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.