| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - MIAMI | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 33131 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 2.81% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5 | $5 | 0.00% |
| WINSTON FINANCIAL SERVICES3 | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MIAMI | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $63 | $63 | 0.09% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 38.90% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 38.90% |
| SEMINOLE PRODUCT DISTRIBUTORS INC3 | 3011 NW 63ND AVENUE HOLLYWOOD, FL 33024 | METLIFE LEGAL PLANS OF FLORIDA | $304 | — | $304 | 9.06% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 300 N BEACH STREET DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | — | $127 | $127 | 3.78% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC | 2399 HIGHWAY 34 BUILDING C 2 MANASQUAN, NJ 08736 | METLIFE LEGAL PLANS OF FLORIDA | $24 | $5 | $29 | 0.86% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 203 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 128 | $51K |
| Vision | VISION SERVICE PLAN | 122 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $73K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.