| 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 | $13K | — | $13K | 2.12% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43K | $15K | $58K | 10.12% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55K | — | $55K | 9.49% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | $7K | $48K | 8.40% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30K | — | $30K | 5.22% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $8K | $16K | 2.72% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $596 | $9K | 1.62% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $6K | 0.98% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 7.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 7.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.98% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $400 | $7K | 6.48% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.70% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $287 | $4K | 3.87% |
| CALVIN NATHANIEL EASON3 | PO BOX 10643 WILMINGTON, DE 19850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.62% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $43 | $2K | 2.14% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $201 | $2K | 1.97% |
| PHILIP LIAN3 Filed as: PHILIP E LIAN | 7 HODGE ROAD PRINCETON, NJ 08540 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | — | $7K | 13.06% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $828 | — | $828 | 1.47% |
| CLAUDE GIBBS III4 | PO BOX 1701 WALDORF, MD 20604 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $81 | — | $81 | 0.14% |
| 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 | $40 | — | $40 | 0.07% |
| ANGELA L HELENBERGER4 Filed as: ANGELA HELENBERGER | 599 PARK ROAD CELINA, TX 75009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $37 | — | $37 | 0.07% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.05% |
| LIFE SOLUTIONS 4U LLC4 | 2929 GETTYSBURG ROAD CAMP HILL, PA 17011 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | — | $23 | 0.04% |
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 | 3,388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,217 | $614K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 899 | $94K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,387 | $835K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,401 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,388 | $159K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,387 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,388 | — |
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.