| 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 | $23K | — | $23K | 4.49% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 4.22% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $388 | $17K | 3.88% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 2.99% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 2.44% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $995 | $4K | 0.94% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $24 | $4K | 0.86% |
| CALVIN NATHANIEL EASON3 | P.O. BOX 10643 WILMINGTON, DE 19850 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 8.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.36% |
| ANDREW SILBERT3 | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $85 | $4K | 4.54% |
| CALVIN NATHANIEL EASON3 | PO BOX 10643 WILMINGTON, DE 19850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.10% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | THE PAUL REVERE LIFE INSURANCE COMPANY | $862 | — | $862 | 0.99% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $419 | $12 | $431 | 0.49% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $395 | $32 | $427 | 0.49% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.76% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 5.95% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $251 | — | $251 | 0.75% |
| CLAUDE GIBBS III4 | 22432 DARK STAR WAY LEXINGTON PARK, MD 20653 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | — | $39 | 0.12% |
| FRANCES HARWELL4 | P.O. BOX 128 WENONAH, NJ 08090 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.07% |
| ALFREDA PEARSON4 | 1892 MURDOCK RD MANNING, SC 29102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.06% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 2,918 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,084 | $506K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 923 | $81K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,898 | $676K |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,121 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,918 | $137K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,898 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,918 | — |
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.