| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP LIAN3 Filed as: PHILIP E LIAN | 7 HODGE ROAD PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 13793 NEWARK, NJ 07188 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.40% |
| STUART DUNKLE3 Filed as: STUART M MIGDON | 900 ROUTE 9 N SUITE 503 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57K | — | $57K | 17.05% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47K | $9K | $55K | 16.70% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $6K | $45K | 13.67% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | — | $32K | 9.76% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 3.30% |
| JUAN J MORENO3 Filed as: JUAN MORENO | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $606 | $6K | 1.72% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $485 | $3K | 0.95% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.99% |
| PHILLIP E LIAN3 | C/O PHILLIP E. LIAN INSURANCE SERVI 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $6K | — | $6K | 2.48% |
| PHILLIP E LIAN3 Filed as: PHILLIP E. LIAN | C/O PHILLIP E. LIAN INSURANC SERVIC 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 2.93% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.34% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.81% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | — | $8K | 15.27% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $1K | $6K | 11.20% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.28% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.91% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $81 | $2K | 3.49% |
| JAQUIYA HAMMIEL TURNER3 | 1720 NEW YORK AVENUE UNIO CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $254 | $2K | 3.28% |
| MARCI REDMOND3 | 680 MACDONOUGH ST BROOKLYN, NY 11233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.24% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 10.85% |
| AMBER JANE LITTLE4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 3.92% |
| KEYSTONE BENEFIT CONSULTANTS4 Filed as: KEYSTONE BENEFIT CONSULTANTS LLC | 2929 GETTYSBURG RD SUITE 5 CAMP HILL, PA 17011 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $205 | — | $205 | 0.46% |
| CLAUDE GIBBS III4 | PO BOX 1701 WALDORF, MD 20604 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | — | $112 | 0.25% |
| DEVION AYERS4 | 21 WEST GREENWAY WALKWAY TRENTON, NJ 08618 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $25 | — | $25 | 0.06% |
| ROCHELLE PRICE4 | 145 E CHARLOTTE ST MILLERSVILLE, PA 17551 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.05% |
| NATHANIEL G KUYEMBEH4 | 7120 CARRIAGE HILL SR LAUREL, MD 20707 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | TWO PIERCE PL 21ST FLR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $290 | $311 | 22.42% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 1.51% |
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 | 2,921 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 978 | $1.9M |
| Dental(2 contracts) | DELTA DENTAL OF NJ, INC | 927 | $396K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 978 | $1.9M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,921 | $474K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,178 | $675K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,894 | $108K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 978 | $1.9M |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,921 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,921 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.