| 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 | $181K | — | $181K | 14.28% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $60K | — | $60K | 4.70% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 1.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $200K | — | $200K | 19.80% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $69K | — | $69K | 6.83% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $14K | — | $14K | 6.33% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.23% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 801 S. FIGUEROA STREET SUITE 800 LOS ANGELES, CA 900172591 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $38K | — | $38K | 25.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.45% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $755 | — | $755 | 2.20% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $335 | — | $335 | 0.98% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $597 | — | $597 | 3.81% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $152 | — | $152 | 0.97% |
| AON CONSULTING INC3 | 7650 W COURTNEY CAMPBELL CSWY TAMPA, FL 33607 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AON CONSULTING INC3 | 7650 W COURTNEY CAMPBELL CSWY TAMPA, FL 33607 | FEDERAL INSURANCE COMPANY | $431 | — | $431 | 15.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $212 | — | $212 | 10.22% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $19 | — | $19 | 0.92% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16 | — | $16 | 3.84% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.96% |
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 | 8,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,562 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,143 | $316K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,275 | $2.3M |
| Long-term disability(5 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 7,275 | $2.8M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,523 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,523 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.