| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | TOKIO MARINE | — | — | $0 | 0.00% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $2K | $4K | $6K | 2.66% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $2K | $3K | $6K | 2.70% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $565 | $939 | $2K | 2.66% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP DBA ABENTRA | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 13.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $257K |
| WINGATE INSURANCE GROUP | Other services Service code 49 | — | $117K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 DENTAL FEES | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $36K |
| CIGNA HEALTH AND LIFE INS EIN 59-1031071 MEDICAL FEES | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $4K |
| CIGNA | Participant communication; Named fiduciary; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $0 |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 443 | $224K |
| Short-term disability | STANDARD INSURANCE COMPANY | 174 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 443 | $204K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 366 | $576K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 427 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.