| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | PO BOX 2165 PONTE VEDRA BEACH, FL 32004 | STANDARD INSURANCE COMPANY | $395K | $0 | $395K | 17.49% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | DBA ABENTRAS 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | ARAG INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
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 | 3,940 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL HEALTH PLAN | 5,333 | $44.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,480 | $1.6M |
| Vision | HUMANA INSURANCE COMPANY | 2,527 | $272K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,546 | $2.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,546 | $2.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,546 | $2.3M |
| Other | ARAG INSURANCE COMPANY | 1,124 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,333 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.