| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $108K | $129 | $108K | 15.20% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $11K | $34K | 4.84% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 2.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.07% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES | 180 MONTGOMERY ST SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | — | $644 | $644 | 0.09% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $158 | $158 | 0.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $129 | $82K | 17.29% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $7K | $27K | 5.61% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 2.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.01% |
| LOCKTON COMPANIES, LLC3 Filed as: IAS SERIES OF LOCKTON SPECIALTIES | 180 MONTGOMERY ST SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | — | $412 | $412 | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98 | $98 | 0.02% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $194K | — | $194K | 49.87% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $179K | — | $179K | 45.82% |
| LOCKTON COMPANIES, LLC3 Filed as: NORTHEAST SERIES OF LOCKTON CO. | C/O BANK OF AMERICA PO BOX 3207 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $11K | — | $11K | 10.03% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | DBA WINSTON BENEFITS 2399 HIGHWAY 34, SUITE C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $890 | $141 | $1K | 0.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC NORTHEAST SER | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | — | $740 | $740 | 0.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 3207 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $150 | $150 | 0.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $9 | $9 | 0.01% |
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 | 6,881 | 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) | 6,881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 668 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,614 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,554 | $339K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,618 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,683 | $475K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,683 | $475K |
| Prescription drug(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 668 | $4.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,618 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,618 | — |
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.