| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $1.4M | — | $1.4M | 16.61% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $597K | — | $597K | 7.75% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $964K | $259K | $1.2M | 23.70% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $674K | — | $674K | 16.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $202K | $174K | $376K | 9.50% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $186K | $49K | $235K | 30.09% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $43K | — | $43K | 7.31% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | AIG | $100K | — | $100K | 17.81% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $26K | $149K | 35.85% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $58K | — | $58K | 15.47% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $7K | $18K | 7.51% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | ING RELIASTAR | $9K | — | $9K | 5.44% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 12.01% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NEW YORK LIFE GROUP BENEFITS | $16K | — | $16K | 11.66% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 21.56% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NY 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $6K | $79K | 72.63% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | LIFE OF BOSTON | $5K | — | $5K | 8.50% |
| 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 | $4K | — | $4K | 10.43% |
| 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 | METROPOLITAN LIFE INSURANCE COMPANY | — | $728 | $728 | 3.34% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $795 | $427 | $1K | 10.36% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $552 | $2K | 18.42% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | NATIONAL UNION FIRE INSURANCE CO. | $1K | — | $1K | 25.00% |
| WINSTON FINANCIAL SERVICES | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $569 | $130 | $699 | 24.89% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 - SUITE C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28 | $28 | 933.33% |
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 | 24,466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,866 | $1.3M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $139K |
| Life insurance(6 contracts, 4 carriers) | LIFE OF BOSTON | 14,277 | $16.7M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,771 | $9.3M |
| Long-term disability | NEW YORK LIFE GROUP BENEFITS | 143 | $137K |
| Other(13 contracts, 7 carriers) | LIFE OF BOSTON | 14,277 | $22.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.