| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2.2M | — | $2.2M | 19.35% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $674K | — | $674K | 6.91% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $889K | — | $889K | 13.68% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1.4M | — | $1.4M | 26.16% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $190K | — | $190K | 19.16% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $42K | — | $42K | 8.03% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $89K | — | $89K | 17.99% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $14K | — | $14K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | CIGNA | $31K | — | $31K | 15.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METLIFE | $38K | $7K | $44K | 22.88% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | PRESIDENTIAL LIFE | $6K | — | $6K | 7.50% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $4K | — | $4K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $5K | — | $5K | 10.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $1K | — | $1K | 5.10% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $2K | — | $2K | 24.99% |
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 | 27,102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27,102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METLIFE | 1,766 | $220K |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 17,603 | $16.6M |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 18,117 | $11.3M |
| Long-term disability | CIGNA | 322 | $208K |
| Other(11 contracts, 7 carriers) | LIFE OF BOSTON | 17,603 | $14.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,117 | — |
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.