| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 7.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $82 | $10K | 5.25% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $912 | $912 | 0.46% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP, INC. DBA A | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.06% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.27% |
| HOWEY, WILLIAM JACKSON3 | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $674 | $0 | $674 | 1.32% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP, INC. DBA A | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.10% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 3.13% |
| HOWEY, WILLIAM JACKSON3 | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $399 | $0 | $399 | 0.78% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $398 | $5K | 13.06% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $82 | $3K | 8.05% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $157 | $157 | 0.39% |
| INSGROUP INC3 Filed as: WINGATE INSURANCE GROUP, INC. DBA A | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.13% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 5.00% |
| HOWEY, WILLIAM JACKSON3 | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | SUN LIFE ASSURANCE COMPANY OF CANADA | $421 | $0 | $421 | 1.25% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $215 | $3K | 12.99% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $82 | $2K | 8.20% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 811 MADISON AVENUE TOLEDO, OH 436045684 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $84 | $84 | 0.39% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 320826217 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 5.51% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. - JACKSONVILLE | 811 MADISON AVE TOLEDO, OH 436045684 | HUMANA INSURANCE COMPANY | $730 | $0 | $730 | 3.41% |
| HOWEY, WILLIAM JACKSON3 Filed as: HOWEY, WILLIAM J | 7077 BONNEVAL ROAD SUITE 380 JACKSONVILLE, FL 32216 | HUMANA INSURANCE COMPANY | $114 | $0 | $114 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PROVIDER | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator Service code 12 | — | $4K |
| CIGNA HEALTH & LIFE INSURANCE COMPA | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation 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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $62K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 390 | $200K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 390 | $221K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $51K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $34K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $51K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.