| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | AETNA LIFE INSURANCE CO | $248K | — | $248K | 3.98% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANADQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $9K | $59K | 3.05% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $8K | $89K | 5.03% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $19K | $2K | $21K | 1.51% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $7K | — | $7K | 0.50% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | $46K | $0 | $46K | 9.08% |
| WINSTON FINANCIAL SERVICES Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | HYATT LEGAL PLANS | — | $2K | $2K | 0.43% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | HYATT LEGAL PLANS | — | $2K | $2K | 0.38% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | HYATT LEGAL PLANS | — | $21 | $21 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH DESIGN PLUS EIN 34-1593929 THIRD PARTY ADMINISTRATOR | Other services Service code 49 | — | $4.9M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $630K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $14K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 314 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 3,717 | $686K |
| Life insurance | AETNA LIFE INSURANCE CO | 24,140 | $6.2M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,863 | $3.7M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 24,140 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,140 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.