| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 087361500 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 0.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 0.40% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $605K | — | $605K | 23.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | MATTHEW THORNTON HEALTH PLAN, INC. | $57K | — | $57K | 2.78% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $228K | — | $228K | 17.73% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $58K | — | $58K | 14.96% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 20.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NY 087361500 | HEALTHIEST YOU | $42K | — | $42K | 25.00% |
| 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 | $5K | — | $5K | 2.94% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | 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, NJ 08736 | HYATT LEGAL PLANS | $10K | $4K | $14K | 12.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 08736 | VETERINARY PET INSURANCE (VPI) | $2K | — | $2K | 5.62% |
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 | 7,913 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,033 | $14.3M |
| Dental(6 contracts, 6 carriers) | AETNA LIFE INSURANCE CO. | 4,911 | $5.2M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,147 | $4.6M |
| Life insurance(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,832 | $3.9M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,223 | $2.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,223 | $2.6M |
| Prescription drug(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 744 | $9.9M |
| Other(10 contracts, 9 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,832 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,832 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.