| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $617K | $126K | $743K | 18.94% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $66 | $81K | 2.06% |
| CAMMACK HEALTH LLC3 Filed as: CAMMACK HELATH LLC | 199 WATER STREET FLOOR 9 NEW YORK, NY 100383541 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 0.85% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 083761500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 0.54% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.27% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 0.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 23999 HIGHWAY 34 BUILDING C2 MANASQUAN, NC 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHTWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.01% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $9K | $9K | — |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $983 | $983 | — |
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 | 3,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,966 | $441K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,840 | $3.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,840 | $3.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,966 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,840 | — |
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.