| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $307K | — | $307K | 25.41% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 0.99% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $380K | — | $380K | 40.62% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $46K | — | $46K | 18.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.05% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $43K | — | $43K | 25.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $27K | — | $27K | 22.79% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 16.38% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $378 | — | $378 | 0.99% |
| AON CONSULTING INC3 | 7650 W CORTNEY CAMPBELL CAUSEWAY SUITE 1000 TAMPA, FL 33607 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 21.44% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $77 | — | $77 | 16.81% |
No Schedule C service providers reported on this filing.
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 | 7,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,987 | $2.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,354 | $360K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,212 | $2.2M |
| Long-term disability(5 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 7,212 | $2.7M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,030 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,030 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.