| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | $6K | $94K | 4.28% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 0.62% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136K | $0 | $136K | 7.50% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $4K | $68K | 3.77% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $0 | $61K | 3.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $25K | 1.35% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192K | $13K | $205K | 14.38% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $0 | $94K | 6.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.18% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $39K | $0 | $39K | 3.52% |
| SYNERGISTIC HEALTHCARE SOLUTIONS3 | 14 MARSHALL DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.00% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | -$13K | $0 | -$13K | -1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 0.61% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 5.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $22K | 2.90% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 2.24% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.19% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.87% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 12.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.40% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 11.95% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $760 | $760 | 0.37% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 7.78% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $185 | $185 | 0.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | $0 | $11K | 8.26% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6K | $6K | 4.59% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 0.79% |
| LOCKTON COMPANIES, LLC3 | 3800 COLONNADE PARKWAY, SUITE 150 BIRMINGHAM, AL 35243 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $227 | $227 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $550 | $550 | 0.73% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 25.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.29% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $407 | $407 | 0.70% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.52% |
| FORZA GROUP, LLC3 | 200 DECADON DRIVE, SUITE 230 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.33% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | $0 | $898 | 2.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $308 | $4K | 12.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.28% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 3.47% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 Filed as: SEMINOLE PRODUCT DISTRIBUTORS | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 3.47% |
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 | 8,574 | 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) | 8,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,761 | $2.7M |
| Vision | VISION SERVICE PLAN | 4,949 | $346K |
| Life insurance(13 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,036 | $5.8M |
| Short-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,036 | $6.7M |
| Long-term disability(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,036 | $7.5M |
| Other(14 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,234 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,234 | — |
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.