| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $112K | — | $112K | 7.13% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 1.78% |
| PHILLIP E LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $94K | — | $94K | 9.50% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | — | $61K | 7.89% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 1.97% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38K | — | $38K | 6.00% |
| ANDREW SILBERT3 | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | — | $32K | 5.07% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $6K | $30K | 4.73% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | — | $22K | 3.38% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $385 | $8K | 1.33% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 1.02% |
| CALVIN NATHANIEL EASON3 | 8 W LEXTON ROAD NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 1.02% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 11.86% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22K | — | $22K | 21.07% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $255 | — | $255 | 0.25% |
| OVION FINANCIAL SERVICES4 | 7611 LITTLE RIVER TPKE SUITE 104W ANNANDALE, VA 22003 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $160 | — | $160 | 0.16% |
| IBRAHIM ABDELHADI4 Filed as: IBRAHIM B ABDELHADI | 6910 HART LANE APT 601 AUSTIN, TX 78731 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $84 | — | $84 | 0.08% |
| MELISSA D TRIESTER4 | 240 ROCHELLE AVE PHILADELPHIA, PA 19128 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $67 | — | $67 | 0.07% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $22 | — | $22 | 0.02% |
| CLAUDE GIBBS III4 | 22432 DARK STAR WAY LEXINGTON PARK, MD 20653 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | — | $21 | 0.02% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | — | — | $0 | 0.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | — | $3K | 3.55% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $847 | — | $847 | 0.89% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.86% |
| ANDREW SILBERT3 | 2 DUNKIRK DR PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| MITCHELL KATCHEN3 | 674 US HWY 202 206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.85% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES | 341 GILLIGAN ROAD HUDSON, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $64 | $2K | 2.76% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $992 | $527 | $2K | 2.16% |
| PAMELA SUSAN LEVY3 | 150 50TH AVE APT 3109 LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $830 | $107 | $937 | 1.33% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | THE PAUL REVERE LIFE INSURANCE COMPANY | $378 | $66 | $444 | 0.63% |
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 | 4,131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,572 | $987K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,458 | $128K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,131 | $2.3M |
| Short-term disability(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,131 | $3.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,131 | $1.6M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,131 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,131 | — |
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.