| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICE INC. Filed as: WINSTON FINANCIAL SERVICE INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | AETNA LIFE INSURANCE CO. | $179K | — | $179K | 3.21% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $8K | $80K | 4.64% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $8K | $47K | 3.00% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY (G1728) | $30K | $2K | $32K | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH DESIGN PLUS, INC. EIN 34-1593929 ADMINISTRATIVE FEES | Other services Service code 49 | — | $6.5M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATION | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $756K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATIVE FEES | Claims processing Service code 12 | — | $17K |
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 | 23,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 333 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,914 | $748K |
| Life insurance | AETNA LIFE INSURANCE CO. | 33,635 | $5.6M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,375 | $3.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 33,635 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.