| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $309K | — | $309K | 2.06% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $443K | — | $443K | 5.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178K | — | $178K | 2.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $304K | — | $304K | 5.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122K | — | $122K | 2.01% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BLDG 02 MANASQUAN, NJ 087361500 | VISION SERVICE PLAN | $81K | — | $81K | 3.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | RELIASTAR LIFE INSURANCE COMPANY | $602K | $60K | $662K | 33.21% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | — | $58K | 5.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 2.01% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $211K | — | $211K | 43.10% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $25K | — | $25K | 15.35% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | — | $12K | $12K | 7.18% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 1700 BOSTON, MA 02108 | HARTFORD FIRE INSURANCE COMPANY | — | $926 | $926 | 2.97% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $684 | — | $684 | 3.28% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23 | — | $23 | 2.68% |
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 | 28,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 560 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 131 | $1.4M |
| Vision | VISION SERVICE PLAN | 17,926 | $2.7M |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,457 | $8.6M |
| Short-term disability(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,315 | $16.2M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,457 | $14.9M |
| Other(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43,457 | $18.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,457 | — |
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.