| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | RELIASTAR LIFE INSURANCE COMPANY | $115K | — | $115K | 5.33% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 08736 | RELIASTAR LIFE INSURANCE COMPANY | $109K | — | $109K | 5.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | — | $37K | $37K | 1.72% |
| CUSTOM BENEFITS PROGRAM INC3 | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 080371363 | RELIASTAR LIFE INSURANCE COMPANY | $36K | — | $36K | 1.68% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | — | $22K | 17.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 11801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.12% |
| CUSTOM BENEFITS PROGRAM INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $379 | — | $379 | 0.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF FLORIDA | 13901 SUTTON PARK DRIVE S BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | TRANSAMERICA LIFE INSURANCE COMPANY | $287 | — | $287 | 0.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - NEW YORK | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| DWIGHT L PIERCE3 | US BENTEC WORKPLACE SOLUTIONS 700 W HILLSBORO BOULEVARD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | GSB BUILDING ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.34% |
| AKIO L. BLEY3 Filed as: AKIO L BLEY | GSB BUILDING ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.02% |
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 | 3,441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HORIZON INSURANCE COMPANY | 2,307 | $199K |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,661 | $2.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,661 | $2.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,661 | $2.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,661 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,661 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.