| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | $55K | $146K | 1.31% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $99K | — | $99K | 0.88% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192K | — | $192K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $155K | — | $155K | 2.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | $43K | $102K | 1.46% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | — | $64K | 0.92% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135K | — | $135K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111K | — | $111K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $31K | $73K | 1.49% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 0.91% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | RELIASTAR LIFE INSURANCE COMPANY | $897K | $42K | $938K | 67.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY /TRION GRP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $10K | 1.12% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 0.91% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $342K | — | $342K | 94.64% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $19K | $912 | $20K | 16.97% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | — | $97 | $97 | 0.08% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | — | $18 | 0.82% |
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 | 27,314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 128 | $2.0M |
| Vision | VISION SERVICE PLAN | 17,226 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,783 | $5.3M |
| Short-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,783 | $12.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,531 | $7.0M |
| Other(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 42,783 | $14.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,783 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.