| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | MATTHEW THORNTON HEALTH PLAN, INC. | $58K | — | $58K | 2.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | MATTHEW THORNTON HEALTH PLAN, INC. | -$34 | — | -$34 | -0.00% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $489K | $489K | 23.34% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $238K | — | $238K | 21.92% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$40 | — | -$40 | -0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$61 | — | -$61 | -0.01% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | ALLSTATE BENEFITS | $60K | — | $60K | 21.46% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 087361500 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 10.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 5.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 502661321 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | $4K | — | $4K | 2.43% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | $1K | — | $1K | 0.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC | $1K | — | $1K | 0.70% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NY 087361500 | HEALTHIEST YOU | $25K | — | $25K | 25.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | $8K | — | $8K | 15.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HYATT LEGAL PLANS | $718 | $539 | $1K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | — | $47 | $47 | 1.28% |
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 | 7,321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 458 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,133 | $9.4M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,114 | $1.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,203 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,066 | $3.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,451 | $2.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,451 | $2.1M |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 767 | $9.1M |
| Other(7 contracts, 7 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,066 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,066 | — |
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.