| 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 | $496K | — | $496K | 6.08% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $578K | — | $578K | 8.55% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $267K | $164K | $431K | 7.62% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $712K | — | $712K | 13.80% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $643K | $108K | $751K | 22.07% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $84K | $227K | 8.49% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $152K | — | $152K | 20.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $55K | — | $55K | 12.89% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $23K | — | $23K | 8.08% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $9K | $81K | 34.99% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | CIGNA LIFEE INSURANCE CO OF NY | $32K | — | $32K | 15.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $8K | — | $8K | 5.00% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $2K | $26K | 17.91% |
| 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 | AFLAC | $5K | — | $5K | 10.28% |
| 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 | AFLAC | $2K | — | $2K | 5.10% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $971 | $3K | 13.39% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $634 | $2K | 12.66% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $592 | $3K | 15.41% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $2K | — | $2K | 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 | 24,570 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $19K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,404 | $178K |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 14,476 | $15.1M |
| Short-term disability(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,242 | $12.0M |
| Long-term disability | CIGNA LIFEE INSURANCE CO OF NY | 269 | $215K |
| Other(13 contracts, 7 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 14,476 | $22.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,476 | — |
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.