| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | HORIZON HEALTHCARE SERVICES, INC. | — | — | $0 | 0.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | -$12K | — | -$12K | -1.84% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | — | $57K | 10.89% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $43K | — | $43K | 10.91% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | — | $0 | 0.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 32ND BLDG C2 MANASQUAN, NJ 08736 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 15.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $958K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMIN SERVICE FEESDENTAL | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $106K |
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 | 3,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 1 | $16K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 233 | $26K |
| Vision | EYEMED | 3,225 | $205K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,056 | $524K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,374 | $634K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,030 | $398K |
| Prescription drug | CVS CAREMARK | 2,029 | $3.7M |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES, INC. | 2,029 | $974K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,324 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,324 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.