| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROSENTHAL INSURANCE GROUP Filed as: ROSENTHAL INSURANCE GROUP INC | 1680 ROUTE 23 SUITE 125 WAYNE, NJ 07470 | AETNA | $6K | — | $6K | 7.30% |
| GEORGE E BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $410 | $9K | — |
| IRA EDENBAUM | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $168 | $2K | — |
| BRAD BIEL | 225 GRAND ST JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | $1K | $2K | — |
| ELITE ADMINISTRATION | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $266 | $1K | — |
| GARY SHAWAH | 142 ROUTE 23 NORTH POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $697 | $0 | $697 | — |
| WENDY BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | $0 | $515 | — |
| MIRIAM ESPERANZA YOUNAN | 41 WEST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | $0 | $464 | — |
| ROBERT ARNOLD | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $0 | $399 | — |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY INC | C/O HILB ROGAL AND HOBBS MORRISTOWN, NJ 07962 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $0 | $134 | — |
| SALATHIEL MALDONADO | 32717 CYPRESS AVE BROOKLYN, NY 11224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $95 | $128 | — |
| JAMEL WRIGHT | 341 MIDWOOD ST BROOKLYN, NY 11225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $22 | $127 | — |
| CDC CONSULTING SERVICES INC | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | — |
| WILLIAM E GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | — |
| SARAI HERNANDEZ | 253E. TUSCULUM STREET PHILADELPHIA, PA 19134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | — |
| TIMOTHY J REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | — |
| JAMES R CLOSE | 142 ROUTE 23 NORTH POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | — |
| MELVINEA WILLIAMS | 377 S. HARRISON ST. E. ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | — |
| STEPHEN M HENSS LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | — |
| JAMES CAREY | 1109 SAUNDERS COURT WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 198 | $80K |
| Life insurance(2 contracts, 2 carriers) | AETNA | 198 | $80K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $0 |
| Other(2 contracts, 2 carriers) | AETNA | 198 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.