| 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 | $451K | — | $451K | 6.21% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $911K | — | $911K | 13.03% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $317K | $199K | $516K | 11.08% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $702K | — | $702K | 15.65% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $813K | $209K | $1.0M | 23.55% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $120K | — | $120K | 20.20% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $116K | $27K | $143K | 24.99% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $26K | — | $26K | 7.02% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $47K | — | $47K | 13.19% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $14K | $104K | 39.25% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | CIGNA LIFE INSURANCE CO OF NY | $27K | — | $27K | 13.09% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $8K | $34K | 22.50% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $6K | — | $6K | 5.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $3K | $25K | 20.48% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 9.40% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $5K | — | $5K | 8.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AFLAC | $4K | — | $4K | 10.00% |
| 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 | $1K | — | $1K | 5.16% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $630 | $630 | 3.66% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $853 | $484 | $1K | 10.21% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $266 | $266 | 2.11% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $2K | — | $2K | 25.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $77 | $222 | $299 | 13.64% |
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 | 24,590 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,426 | $850K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,453 | $148K |
| Life insurance(6 contracts, 4 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 13,201 | $14.5M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,760 | $9.2M |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NY | 170 | $202K |
| Other(13 contracts, 7 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 13,201 | $20.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,201 | — |
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.