| 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 | RELIASTAR LIFE INSURANCE COMPANY | $180K | — | $180K | 8.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $109K | $25K | $134K | 6.02% |
| P & G BENEFIT SERVICES, INC.3 | 92 RACE PATH LN CLAYTON, GA 30525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.59% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVE. POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 23.16% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.09% |
| LOCKTON COMPANIES, LLC3 | 11801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W. HILLSBORO BLVD. DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFITS COMMUNICATIONS LL | GSB BUILDING ONE BELMONT AVE., SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $613 | — | $613 | 1.04% |
| ALIO L BLEY3 | ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.06% |
| DWIGHT L PIERCE3 | 1200 E. TAFT AVENUE SAPULA, OK 74066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W. HILLSBORO BLVD. DEERFIELD BEACH, FL 33441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 4.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 3.28% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFIT COMMUNICATIONS LLC | GSB BUILDING ONE BELMONT AVE., STE. 304 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 2.60% |
| BLEY, AKIO, L3 | GSB BUILDING ONE BELMONT BALA CYNWYD, PA 19004 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 3.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | — | $4 | 2.01% |
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 | 2,632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 236 | $1.1M |
| Dental | HAWAII MEDICAL SERVICES ASSOCIATION | 0 | $4K |
| Vision | HORIZON INSURANCE COMPANY | 2,050 | $182K |
| Life insurance(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,439 | $3.5M |
| Short-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,439 | $2.4M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,439 | $3.3M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 236 | $1.1M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,439 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,439 | — |
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.