| 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 | $36K | — | $36K | 5.64% |
| ANDREW SILBERT3 | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $3K | $24K | 5.24% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 5.04% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 2.99% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $773 | $12K | 2.57% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $391 | $6K | 1.40% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTRUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $762 | $5K | 1.05% |
| CALVIN NATHANIEL EASON3 | 8 WEST LEXTON RD NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $286 | $4K | 0.93% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 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 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.16% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.74% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.35% |
| ANDREW SILBERT3 | 2 DUNKIRK DR PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $515 | $3K | 4.32% |
| CALVIN NATHANIEL EASON3 | 8 WEST LEXTON RD NEW CASTLE, DE 19850 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $71 | $2K | 2.62% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | THE PAUL REVERE LIFE INSURANCE COMPANY | $614 | — | $614 | 0.81% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $182 | — | $182 | 0.24% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $163 | — | $163 | 0.21% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9K | — | $9K | 19.07% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $214 | — | $214 | 0.45% |
| SONIA LETT BHOLA4 | 632 E 80TH STREET BROOKLYN, NY 11236 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $47 | — | $47 | 0.10% |
| CLAUDE GIBBS III4 | 22432 DARK STAR WAY LEXINGTON PARK, MD 20653 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $46 | — | $46 | 0.10% |
| LAWTON BENEFITS GROUP LLC4 Filed as: LAWTON BENEFITS GROUP | 526 164TH AVE SOMERSET, WI 54025 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $44 | — | $44 | 0.09% |
| AYSHA MAHMOOD4 | 2437 DELMAR PL FORT LAUDERDALE, FL 33301 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 0.07% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.05% |
| 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 | 2,922 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,140 | $636K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,018 | $97K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,922 | $701K |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,155 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,922 | $140K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2,922 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,922 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.