| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $51K | $0 | $51K | 3.98% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $858 | $5K | 18.27% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $575 | $3K | 18.09% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 10.80% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE SUITE 1000 JACKSONVILLE, FL 32202 | HUMANA INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 178 | $59K |
| Vision | HUMANA INSURANCE COMPANY | 134 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.