| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, NJ 19428 | VISION SERVICE PLAN | $6K | — | $6K | 2.23% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $280 | — | $280 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $2K | $37K | 19.77% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $757 | $14K | 7.62% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $748 | $9K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 18.32% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $636 | $13K | 9.18% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 22.51% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $489 | $11K | 9.35% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
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 | 2,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,084 | $257K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,904 | $558K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,010 | $633K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,982 | $871K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,904 | $511K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,010 | — |
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.
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.