| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $81K | $9K | $90K | 15.23% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP DBA ABENTRA | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $4K | $27K | 13.00% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $18K | $3K | $21K | 15.46% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $14K | $2K | $16K | 15.87% |
| THE CHAPPANO GROUP, LLC3 Filed as: THE CHAPPANO GROUP | 3572 CONCERTO DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 12.75% |
| RAYMOND J CHAPPANO3 | 3572 CONCERTO DRIVE CINCINNATI, OH 45241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.84% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOC LLC | 7814 CRAINDOW CT DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $408 | $0 | $408 | 0.82% |
| GENESIS & ASSOCIATES LLC3 | 838 ACKLEY RD CINCINNATI, OH 45255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 0.65% |
| MATTHEW D SMITH3 | 7905 TANCES DR CINCINNATI, OH 45243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 0.58% |
| RUSSELL D TOWERY3 | 875 W 9 1/2 MILE ROAD PENSACOLA, FL 32534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.16% |
| HOLLY ADAMS BUTCHER3 Filed as: HOLLY A BUTCHER & BRIAN ANDREWS | 600 UNIVERSITY OFFICE PARK SUITE 12 PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.11% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP DBA ABENTRA | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH OPTIONS INC. EIN 59-2403696 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $182K |
| BLUECROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $56K |
| WINGATE INSURANCE GROUP EIN 45-0539636 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | — | $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 | 612 | 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) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $207K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 595 | $103K |
| Short-term disability | STANDARD INSURANCE COMPANY | 605 | $133K |
| Long-term disability | STANDARD INSURANCE COMPANY | 604 | $593K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 125 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.