| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SKYWARD UNDERWRITERS3 | — | S&S HEALTHCARE STRATEGIES, LTD | $458K | $0 | $458K | 64.88% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | S&S HEALTHCARE STRATEGIES, LTD | $71K | $0 | $71K | 10.07% |
| S&S HEALTHCARE3 Filed as: S&S HEALTHCARE STRATEGIES | — | S&S HEALTHCARE STRATEGIES, LTD | $49K | $0 | $49K | 6.99% |
| EVERLONG GROUP MED CAPTIVE SVCS.3 Filed as: EVERLONG CAPTIVE | — | S&S HEALTHCARE STRATEGIES, LTD | $49K | $0 | $49K | 6.89% |
| CIGNA3 | — | S&S HEALTHCARE STRATEGIES, LTD | $42K | $0 | $42K | 5.96% |
| SWISS, RE3 | — | S&S HEALTHCARE STRATEGIES, LTD | $34K | $0 | $34K | 4.81% |
| RECURO HEALTH INC3 Filed as: RECURO | — | S&S HEALTHCARE STRATEGIES, LTD | $3K | $0 | $3K | 0.40% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | GUARDIAN | $10K | $0 | $10K | 11.50% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $1K | $0 | $1K | 1.50% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | GUARDIAN | $14K | $0 | $14K | 20.47% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $995 | $0 | $995 | 1.50% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | GUARDIAN | $7K | $0 | $7K | 18.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $622 | $0 | $622 | 1.50% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | GUARDIAN | $6K | $0 | $6K | 18.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $532 | $0 | $532 | 1.50% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | GUARDIAN | $2K | $0 | $2K | 13.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $202 | $0 | $202 | 1.50% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | S&S HEALTHCARE STRATEGIES, LTD | 144 | $705K |
| Dental | GUARDIAN | 126 | $88K |
| Vision | GUARDIAN | 147 | $13K |
| Life insurance | GUARDIAN | 214 | $66K |
| Short-term disability | GUARDIAN | 110 | $35K |
| Long-term disability | GUARDIAN | 112 | $41K |
| Other | GUARDIAN | 214 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.