| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $157K | — | $157K | 2.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $40K | — | $40K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA INSURANCE COMPANY | $142K | — | $142K | 3.30% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | UNITED CONCORDIA INSURANCE COMPANY | $93K | — | $93K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $41K | — | $41K | 2.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.53% |
| WINSTON FINANCIAL SERVICE INC.3 | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.35% |
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 | 12,541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 131 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 9,815 | $4.3M |
| Vision | HM LIFE INSURANCE COMPANY | 8,614 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 7,999 | $5.6M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 7,999 | $5.6M |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY | 7,999 | $6.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 12,383 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,383 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.