| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $0 | $70K | 10.80% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $0 | $47K | 7.21% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, UNIT C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 3.46% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 3.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 13.11% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.28% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $47K | $0 | $47K | 27.34% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 14.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $2K | $0 | $2K | 14.05% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $557 | $557 | 4.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $192 | $192 | 1.50% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C-2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $630 | $0 | $630 | 6.25% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63RD AVENUE HOLLYWOOD, FL 33024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $630 | $0 | $630 | 6.25% |
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 | 6,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 49 | $530K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,687 | $1.9M |
| Vision(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,416 | $734K |
| Life insurance(9 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,132 | $1.7M |
| Short-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,366 | $1.4M |
| Long-term disability(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,366 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 49 | $530K |
| Other(13 contracts, 7 carriers) | LIBERTY DENTAL PLAN OF NEVADA, INC. | 3,457 | $2.1M |
| 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."
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.