| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $128K | $0 | $128K | 10.46% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.50% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $18K | $9K | $26K | 20.21% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $13K | $6K | $19K | 20.44% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $13K | $8K | $21K | 22.10% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $603 | $5K | 17.00% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $830 | $4K | 18.70% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $390 | $3K | 16.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL CLAIMS | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $13K |
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 | 553 | 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) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $200K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $200K |
| Life insurance | STANDARD INSURANCE COMPANY | 553 | $93K |
| Short-term disability | STANDARD INSURANCE COMPANY | 553 | $131K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $95K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.