| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $43K | $0 | $43K | 4.00% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | FLORIDA COMBINED LIFE | $6K | $0 | $6K | 9.19% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $161 | $4K | 20.75% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $3K | $370 | $3K | 18.42% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $92 | $2K | 15.75% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP, INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $2K | $905 | $3K | 22.60% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 148 | $1.1M |
| Dental | FLORIDA COMBINED LIFE | 153 | $69K |
| Vision | STANDARD INSURANCE COMPANY | 114 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $21K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $34K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.