| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42K | — | $42K | 6.95% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34K | $2K | $36K | 5.91% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $4K | $33K | 5.39% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 3.89% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $625 | $8K | 1.40% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $858 | $7K | 1.21% |
| CALVIN NATHANIEL EASON3 | P.O. BOX 10643 WILMINGTON, DE 19850 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $293 | $5K | 0.88% |
| PHILLIP E LIAN3 | C/O PHILLIP E. LIAN INSURANCE SERVI 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $22K | — | $22K | 4.45% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | — | $36K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NTIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 7.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.42% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $269 | $7K | 6.01% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.22% |
| CALVIN NATHANIEL EASON3 | PO BOX 10643 WILMINGTON, DE 19850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $185 | $4K | 3.33% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $155 | $2K | 1.94% |
| RONALD MARTIN BILDSTEIN3 | 135 CADILLAC STREET SYRACUSE, NY 13208 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $7 | $2K | 1.83% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $29 | $2K | 1.57% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.98% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6K | — | $6K | 11.91% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $564 | — | $564 | 1.08% |
| FRANCES HARWELL4 | PO BOX 128 WENONAH, NJ 08090 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $266 | — | $266 | 0.51% |
| PARRISH & ASSOCIATES4 | 4959 MEADOW BROOK ROAD BIRMINGHAM, AL 35242 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $128 | — | $128 | 0.25% |
| CLAUDE GIBBS III4 | PO BOX 1701 WALDORF, MD 20604 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $46 | — | $46 | 0.09% |
| ALFREDA PEARSON4 | 110 N MEADOW DR MANNING, SC 29102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.05% |
| KEYSTONE BENEFIT CONSULTANTS4 | 2929 GETTYSBURG ROAD STE 5 CAMP HILL, PA 17011 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.05% |
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 | 3,360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,131 | $501K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 867 | $91K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,920 | $885K |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,375 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,360 | $120K |
| Other(5 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,920 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,360 | — |
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.
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.