| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 C-2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $118K | — | $118K | 3.51% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS | 2399 HWY 34 SOUTH UNIT C-2 MANASQUAN, NJ 08736 | THE HARTFORD LIFE AND ACCIDENT | $110K | — | $110K | 3.96% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $22K | $84K | 3.73% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $38K | $0 | $38K | 2.10% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SERVICE INC | 2399 HIGHWAY 34 BLDG C-2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $18K | $97K | 5.68% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C-2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| CIGNA Filed as: CIGNA DENTAL HEALTH OF OHIO, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | — | $0 | 0.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $50K | $0 | $50K | 9.77% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 1.02% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | — | $40 | $40 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH, LLC EIN 34-1593929 THIRD PARTY ADMINISTRATOR | Other services Service code 49 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $649K |
| 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 | 24,269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 24,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 350 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 4,452 | $844K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 24,578 | $6.1M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,933 | $4.0M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 24,578 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,578 | — |
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.