| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNGATE INSURANCE AGENCY INC3 | 1337 S INTERNATIONAL PKWY 1311 LAKE MARY, FL 327461402 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $35K | $41K | 3.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 12485 28TH ST N FL 2 SAINT PETERSBURG, FL 337161825 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $8K | $9K | 0.78% |
| EMPIRE INS CORP AKA SUNGATE INS AGY3 | 3256 W LAKE MARY BLVD STE 1100 LAKE MARY, FL 32746 | UNITEDHEALTHCARE INSURANCE COMPANY | $85 | — | $85 | 1.05% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.1M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $8K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.