| 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 | $619K | — | $619K | 6.45% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $982K | — | $982K | 13.48% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON BENEFITS | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $3.3M | $197K | $3.5M | 53.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1.3M | — | $1.3M | 22.12% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON BENEFITS | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $1.5M | $93K | $1.6M | 52.94% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON BENEFITS | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $611K | $31K | $642K | 60.22% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $180K | — | $180K | 20.52% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $42K | — | $42K | 7.81% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $89K | — | $89K | 18.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $9K | — | $9K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $8K | — | $8K | 8.06% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $2K | — | $2K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | PRESIDENTIAL LIFE | $3K | — | $3K | 7.50% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $2K | — | $2K | 10.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $621 | — | $621 | 5.10% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $903 | — | $903 | 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 | 27,143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 27,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 69 | $12K |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 18,423 | $17.1M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,374 | $10.8M |
| Other(13 contracts, 7 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 18,423 | $24.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,423 | — |
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.