Welfare broker

WINSTON FINANCIAL SERVICES

Mailing address (most recent filing)

2399 HWY 34 SOUTH

MANASQUAN, NJ 08736

Carrier mix

Where WINSTON FINANCIAL SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
METROPOLITAN LIFE INSURANCE COMPANY	3	$7.8M	27.3%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	2	$4.8M	18.2%
UNITEDHEALTHCARE INSURANCE COMPANY	1	$8.5M	9.1%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$7.2M	9.1%
KAISER FOUNDATION HEALTH PLAN INC	1	$7.9M	9.1%
LIFE INSURANCE COMPANY OF NORTH AMERICA	1	$30.5M	9.1%
BOSTON MUTUAL LIFE INSURANCE COMPANY	1	$33.5M	9.1%
BLUE CROSS OF CALIFORNIA	1	$861K	9.1%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NJ	3	$14.0M	0.1%	12.65x
PA	2	$31.3M	0.0%	4.36x
NY	1	$33.5M	0.0%	1.80x
NV	1	$8.5M	0.2%	20.56x
NC	1	$7.9M	0.0%	4.34x
LA	1	$4.0M	0.1%	11.56x
CA	1	$821K	0.0%	1.16x
AZ	1	$1.1M	0.1%	7.81x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of WINSTON FINANCIAL SERVICES's plans by broker comp / premium ratio. Median 8.72% vs welfare-wide median 6.29% (n=11).

Prospect-flag exposure · vs market baseline

Share of WINSTON FINANCIAL SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-11 of 11 sponsors where WINSTON FINANCIAL SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
NEW YORK CITY DISTRICT COUNCIL 37, AFSCME, AFL-CIO DISTRICT COUNCIL 37,AFSCME, AFL-CIO	NY	$33.5M	$5.1M	LIFE OF BOSTON
GEISINGER SYSTEM SERVICES GEISINGER WELFARE PLAN	PA	$30.5M	$2.5M	LIFE INSURANCE COMPANY OF NORTH AMERICA
SWISSPORT NORTH AMERICA HOLDINGS, INC. SWISSPORT NORTH AMERICA HOLDINGS, INC. HEALTH & WELFARE PLAN	NC	$7.9M	$692K	KAISER FOUNDATION HEALTH PLAN, INC.
TEVA PHARMACEUTICALS TEVA PHARMACEUTICALS USA, INC. OMNIBUS WELFARE BENEFIT PLAN	NJ	$7.2M	$679K	RELIANCE STANDARD LIFE INSURANCE COMPANY
PSC GROUP LLC PSC GROUP LLC HEALTH & WELFARE PLAN	LA	$4.0M	$563K	LINCOLN NATIONAL LIFE INSURANCE COMPANY
TRUSTEES OF PRINCETON UNIVERSITY HEALTH CARE PLAN	NJ	$5.2M	$202K	METROPOLITAN LIFE INSURANCE COMPANY
SUNLAND ASPHALT & CONSTRUCTION, LLC SUNLAND ASPHALT & CONSTRUCTION, LLC GROUP WELFARE BENEFIT PLAN	AZ	$1.1M	$172K	METLIFE
TRUSTEES OF PRINCETON UNIVERSITY PRINCETON UNIVERSITY VISION CARE PLAN	NJ	$1.6M	$120K	METROPOLITAN LIFE INSURANCE COMPANY
HALLMARK AVIATION SERVICES, LP HALLMARK AVIATION SERVICES, LP GROUP MEDICAL INSURANCE	CA	$821K	$119K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
TERRIBLE HERBST, INC. TERRIBLE HERBST, INC. WELFARE BENEFIT PLAN	NV	$8.5M	$89K	HEALTH PLAN OF NEVADA
AMERIBEST HOME CARE INC AMERIBEST HOME CARE HEALTH AND WELFARE PLAN	PA	$861K	$60K	INDEPENDENCE BLUE CROSS