| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $368K | — | $368K | 16.15% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $368K | — | $368K | 16.15% |
| SYNERGISTIC HEALTHCARE SOLUTIONS3 Filed as: SYNERGISTIC HEALTHCARE SOLUTIONS IN | 14 MARSHAL DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | TRANSAMERICA LIFE INSURANCE COMPANY | $43 | — | $43 | 0.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.26% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 1.26% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 4.96% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 4.96% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $45K | — | $45K | 7.40% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $45K | — | $45K | 7.40% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.50% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 12.50% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $8K | — | $8K | 8.82% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | — | $3K | $3K | 3.78% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS OF FLORIDA | $715 | $141 | $856 | 0.97% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.18% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.18% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | — | $15K | 24.99% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 3.09% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | — | $36 | 3.09% |
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 | 7,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,545 | $2.3M |
| Vision | VISION SERVICE PLAN | 4,644 | $328K |
| Life insurance(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 8,863 | $3.8M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,914 | $1.2M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,863 | $2.4M |
| Other(7 contracts, 6 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 8,863 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,863 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.