| 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 | FLORIDA COMBINED LIFE | $13K | $0 | $13K | 12.49% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | USABLE LIFE | $6K | $0 | $6K | 14.86% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 8.64% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | USABLE LIFE | $1K | $0 | $1K | 14.95% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | USABLE LIFE | $393 | $0 | $393 | 14.85% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 157 | $123K |
| Life insurance | USABLE LIFE | 237 | $10K |
| Other(2 contracts) | USABLE LIFE | 115 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.