| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 3.88% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 3.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | -$7 | $31K | 11.96% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 10 CARMEL, IN 460325638 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $454 | $10K | 3.64% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.83% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NORTHWEST 63ND AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 23.86% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 23.86% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.32% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.32% |
| 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 | — | $1K | 4.62% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $201 | $201 | 0.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $247 | $247 | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $202 | $202 | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.68% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $1K | — | $1K | 10.86% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | — | $541 | $541 | 4.58% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS OF FLORIDA | $116 | $19 | $135 | 1.14% |
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 | 3,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 47 | $277K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,435 | $1.1M |
| Vision(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 2,188 | $435K |
| Life insurance(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,808 | $1.1M |
| Short-term disability(8 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,158 | $844K |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,158 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 47 | $277K |
| Other(11 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,457 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,457 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.