| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12276 SAN JOSE BLVD STE 301 JACKSONVILLE, FL 32223 | BLUE CROSS BLUE SHIELD OF FLORIDA | $33K | $0 | $33K | 2.48% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EDISON, A MARSH & MCLENNAN AGENCY | 2807 EDGEWATER DRIVE ORLANDO, FL 32804 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | $0 | $6K | 0.43% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $4K | $38K | 16.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | UNION SECURITY INSURANCE COMPANY | $9K | $0 | $9K | 15.60% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST STE 100 MIAMI, FL 33178 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $819 | $0 | $819 | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 9850 NW 41ST STREET STE 100 MIAMI, FL 33178 | UNION SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 23.73% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 9.10% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | UNION SECURITY INSURANCE COMPANY | $612 | $0 | $612 | 4.25% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 184 | $1.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 156 | $35K |
| Vision | UNION SECURITY INSURANCE COMPANY | 102 | $14K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 263 | $100K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 263 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.