| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 803507 DALLAS, TX 75380 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 2.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.48% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | RELIASTAR LIFE INSURANCE COMPANY | $104K | — | $104K | 16.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $45K | $4K | $48K | 7.84% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 087361500 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83K | — | $83K | 15.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 803507 DALLAS, TX 75380 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | — | $45K | 8.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, ID 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.45% |
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 | 3,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 437 | $55K |
| Vision | VISION SERVICE PLAN | 2,075 | $200K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,454 | $724K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,691 | $542K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,210 | $410K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,340 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,454 | — |
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.