| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS | 2399 HWY 34 SOUTH UNIT C-2 MANASQUAN, NJ 08736 | MEDMUTUAL LIFE | $287K | — | $287K | 4.16% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SVCS | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $135K | — | $135K | 3.68% |
| 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 | 9.90% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 2399 HIGHWAY 34 UNIT C-2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS | $0 | $418 | $418 | 0.08% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | METLIFE LEGAL PLANS | $0 | $142 | $142 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH, LLC EIN 34-1593929 THIRD PARTY ADMINSTRATOR | Other services Service code 49 | — | $5.3M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $650K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $8K |
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 | 23,977 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 4,396 | $898K |
| Life insurance | MEDMUTUAL LIFE | 23,977 | $6.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,070 | $3.7M |
| Other(3 contracts, 3 carriers) | MEDMUTUAL LIFE | 23,977 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,977 | — |
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.