| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | TRANSAMERICA | $51K | — | $51K | 27.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | TRANSAMERICA | $22K | — | $22K | 11.62% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34 SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA | $12K | — | $12K | 6.28% |
| USI INSURANCE SERVICES LLC3 | METRO PARK SOUTH 100 MATAWAN ROAD SUITE 200 MATAWAN, NJ 077473913 | TRANSAMERICA | $6K | — | $6K | 3.06% |
| CRAIG A BUTLER3 | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | TRANSAMERICA | $713 | — | $713 | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 150 WEST MAIN STREET SUITE 1840 NORFORLK, VA 23510 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | TRANSAMERICA | 311 | $187K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 311 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.