| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M. FINANCIAL HOLDINGS INCORPORATED Filed as: WINSTON FINANICAL SERVICE INC | 2399 HIGHWAY 34 BLDG C2 MANADQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $261K | — | $261K | 3.87% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $16K | $87K | 3.99% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SERVICE INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $14K | $112K | 6.15% |
| THE JAMES B OSWALD COMPANY3 | 1360 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $26K | $3K | $29K | 1.80% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $50K | $0 | $50K | 11.29% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 2399 HIGHWAY 34 UNIT C2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 0.79% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | — | $33 | $33 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH DESIGN PLUS EIN 34-1593929 THIRD PARTY ADMINISTRATOR | Other services Service code 49 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $641K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $11K |
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 | 24,714 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 2,611 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 3,930 | $722K |
| Life insurance | AETNA LIFE INSURANCE CO. | 24,714 | $6.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 20,334 | $4.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 24,714 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,714 | — |
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.