| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | HEALTH OPTIONS INC DBA FLORIDA BLUE | $2K | $38K | $39K | 4.94% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | HEALTH OPTIONS INC DBA FLORIDA BLUE | $0 | $17K | $17K | 2.07% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | UHS UNITED HEALTH CARE | — | $4K | $4K | 11.01% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | UHS UNITED HEALTH CARE | — | $500 | $500 | 1.57% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 16.58% |
| OWEN WILSON WINGATE3 Filed as: OWEN WINGATE | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE CO | $787 | — | $787 | 3.42% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 16.59% |
| OWEN WILSON WINGATE3 Filed as: OWEN WINGATE | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE CO | $762 | — | $762 | 3.41% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | — | $2K | 16.65% |
| OWEN WILSON WINGATE3 | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE CO | $472 | — | $472 | 3.35% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | VISION SERVICE PLAN | $192 | — | $192 | 1.57% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 16.71% |
| OWEN WILSON WINGATE3 | 155 PROFESSIONAL DR PONTE VEDRA BCH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $327 | — | $327 | 3.29% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS INC DBA FLORIDA BLUE | 86 | $799K |
| Dental | UHS UNITED HEALTH CARE | 74 | $32K |
| Vision | VISION SERVICE PLAN | 73 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 105 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 47 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 35 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.