| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $199K | $0 | $199K | 3.50% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP DBA ABENTRA | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $8K | $54K | 11.76% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $35K | $3K | $38K | 16.21% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $12K | $1K | $13K | 16.85% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP DBA ABENTRA | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $10K | $1K | $11K | 17.05% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $466 | $856 | $1K | 2.81% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE | $6K | $525 | $6K | 21.67% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE | $6K | $453 | $6K | 21.22% |
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 | 680 | 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) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 572 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 580 | $460K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 687 | $67K |
| Short-term disability | STANDARD INSURANCE COMPANY | 310 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 324 | $236K |
| Other | METROPOLITAN LIFE INSURANCE | 168 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.