| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $0 | $69K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 1.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 1.72% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 SOUTH, SUITE C-2 MANASQUAN, NJ 08736 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 0.72% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 SOUTH, SUITE C2 MANASQUAN, NJ 08736 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161K | $0 | $161K | 46.23% |
| CUSTOM BENEFITS PROGRAM INC3 Filed as: CUSTOM BENEFITS PROGRAM INC. | 897 12TH STREET, SUITE 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $69K | $0 | $69K | 19.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.06% |
| WINSTON FINANCIAL SERVICES3 | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | $0 | $34K | 26.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 13901 SUTTON PARK DRIVE SOUTH BUILDING C, SUITE 360 JACKSONVILLE, FL 32224 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 11801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.96% |
| CUSTOM BENEFITS PROGRAM INC3 Filed as: CUSTOM BENEFITS PROGRAM INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.09% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $946 | $0 | $946 | 1.41% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $766 | $0 | $766 | 1.14% |
| AKIO L. BLEY3 | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
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 | 3,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HORIZON INSURANCE COMPANY | 2,432 | $196K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,168 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,168 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,168 | $1.8M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,168 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,168 | — |
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.