| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 12.51% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 15.41% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $613 | $4K | 12.37% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $848 | $10K | 82.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 PROVIDER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other commissions; Contract Administrator; Float revenue; Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $321K |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEATHCARE PLAN OF GEORGIA, INC. | 292 | $309K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $168K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 307 | $100K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEATHCARE PLAN OF GEORGIA, INC. | 292 | $309K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.