| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $335K | — | $335K | 30.08% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $335K | — | $335K | 30.08% |
| SYNERGISTIC HEALTHCARE SOLUTIONS3 | 14 MARSHALL DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | TRANSAMERICA LIFE INSURANCE COMPANY | $33 | — | $33 | 0.00% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $129K | — | $129K | 18.57% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $128K | — | $128K | 18.55% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.17% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.07% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.01% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $33K | — | $33K | 25.00% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.78% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.74% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.16% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $533 | — | $533 | 1.09% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $208 | — | $208 | 3.89% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $206 | — | $206 | 3.85% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $57 | — | $57 | 1.07% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 2.26% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $61 | — | $61 | 2.26% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 3.45% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $35 | — | $35 | 3.36% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 2.41% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 2.41% |
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 | 7,251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,984 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 9,091 | $346K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,266 | $2.2M |
| Long-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,266 | $2.0M |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,266 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,091 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.