| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP E LIAN3 | C/O PHILLIP E. LIAN INSURANCE SERVI 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $11K | — | $11K | 2.07% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46K | — | $46K | 11.29% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35K | $3K | $38K | 9.27% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 6.38% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 2.17% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $287 | $6K | 1.34% |
| DOUGLAS ADAM KATCHEN3 | 11912 GOLDENASTER PLACE BRADENTON, FL 34202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.94% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 7.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 7.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | — | $8K | 9.66% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $439 | $6K | 7.56% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $22 | $3K | 3.22% |
| JAQUIYA HAMMIEL TURNER3 | 1720 NEW YORK AVENUE UNION CITY, NJ 07087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $319 | $2K | 2.34% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $75 | $2K | 2.19% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9K | — | $9K | 17.53% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 3.32% |
| 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 | $197 | — | $197 | 0.37% |
| ANGELA L HELENBERGER4 Filed as: ANGELA HELENBERGER | 599 PARK ROAD CELINA, TX 75009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $140 | — | $140 | 0.27% |
| CLAUDE GIBBS III4 | PO BOX 1701 WALDORF, MD 20604 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $95 | — | $95 | 0.18% |
| KENNETH HART4 | 250 MEADOWSWEET DRIVE STATE COLLEGE, PA 16801 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | — | $39 | 0.07% |
| LIFE SOLUTIONS 4U LLC4 | 2929 GETTYSBURG ROAD CAMP HILL, PA 17011 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $34 | — | $34 | 0.06% |
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 | 3,526 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,509 | $531K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 756 | $51K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,526 | $593K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,534 | $850K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,526 | $121K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,526 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,526 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.