| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $0 | $69K | 5.05% |
| 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 | $51K | $0 | $51K | 3.75% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 8.23% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.87% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 8.99% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 6.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 8.89% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 6.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.15% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.04% |
| 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 | $395 | $0 | $395 | 14.98% |
| 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 | $267 | $0 | $267 | 15.02% |
| 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 | $260 | $0 | $260 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL CLAIMS | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $18K |
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 | 513 | 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) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 446 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 446 | $203K |
| Life insurance | STANDARD INSURANCE COMPANY | 513 | $73K |
| Short-term disability | STANDARD INSURANCE COMPANY | 513 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 102 | $96K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.