| 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 | $512K | — | $512K | 7.04% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $892K | — | $892K | 12.39% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $335K | $291K | $626K | 10.33% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $902K | — | $902K | 16.55% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $168K | $142K | $309K | 10.55% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $1.2M | $124K | $1.4M | 48.33% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $171K | — | $171K | 20.12% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $64K | — | $64K | 14.30% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $30K | — | $30K | 7.97% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | CIGNA LIFEE INSURANCE CO OF NY | $38K | — | $38K | 15.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $9K | — | $9K | 5.00% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $1K | $30K | 18.08% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $7K | — | $7K | 8.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $3K | — | $3K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $6K | — | $6K | 10.00% |
| 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 | 5.12% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $805 | $18K | 68.93% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $605 | $13K | 69.90% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $558 | $4K | 21.39% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $963 | — | $963 | 25.00% |
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 | 26,322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 26,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,525 | $197K |
| Life insurance(5 contracts, 5 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 17,589 | $14.7M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,824 | $11.9M |
| Long-term disability | CIGNA LIFEE INSURANCE CO OF NY | 297 | $255K |
| Other(15 contracts, 8 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 17,589 | $22.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,589 | — |
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.