| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34., BLDG C-2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $4K | $23K | 2.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | ATTN TELLYE HEDICK 444 W. 47TH ST., SUITE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | NE SERIES OF LOCKTON COMPANIES LLC C/O BANK OF AMERICA BOX 417484 BOSTON, MA 022413207 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $95 | $10K | 1.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 0.01% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34, BLDG C2 MANASQUAN, NJ 087361500 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $403 | $29K | 25.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | NORTHEAST SERIES OF LOCKTON CO. BOX 417484 BOSTON, MA 022413207 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $95 | $16K | 13.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST., SUITE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| FREDERICK DOBISCH3 | 419 DAVISVILLE RD. WILLOW GROVE, PA 190902703 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 1705 BAY AVE. POINT PEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500W. MONROE ST., SUITE 3400 CHICAGO, IL 606613778 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | — |
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 | 3,896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $115K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,380 | $932K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,380 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.