| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $130K | $54K | $184K | 15.09% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 1.64% |
| PHILLIP E LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $32K | — | $32K | 4.61% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $20K | $62K | 9.71% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.64% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 7.31% |
| ANDREW SILBERT3 | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | — | $29K | 5.86% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 4.58% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 3.13% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 1.98% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $408 | $10K | 1.95% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $889 | $5K | 0.91% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | $2K | $5K | 5.58% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $753 | — | $753 | 0.77% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 11.89% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28K | — | $28K | 31.16% |
| MARK C SPESSARD4 Filed as: MARK SPESSARD | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $321 | — | $321 | 0.35% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $137 | — | $137 | 0.15% |
| LORI CINQUINO4 | 138 CRYSTAL SPRINGS LANE EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $127 | — | $127 | 0.14% |
| LAWTON BENEFITS GROUP LLC4 Filed as: LAWTON BENEFITS GROUP | 526 164TH AVENUE SOMERSET, WI 54025 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $124 | — | $124 | 0.14% |
| CLAUDE GIBBS III4 | 22432 DARK STAR WAY LEXINGTON PARK, MD 20653 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $39 | — | $39 | 0.04% |
| FRANCIS HARWELL4 | 51 NELSON AVENUE WOODBURY, NJ 08096 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | — | $38 | 0.04% |
| SUSAN EATON4 | 4110 DERRICK STREET KINGSTON, OK 73439 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | — | $27 | 0.03% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.02% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | — | $6K | 7.01% |
| ANDREW SILBERT3 | 2 DUNKIRK DR PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.32% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $188 | $4K | 4.47% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.15% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $892 | $793 | $2K | 2.01% |
| PAMELA SUSAN LEVY3 | 150 50TH AVE APT 3109 LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $173 | $1K | 1.58% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | THE PAUL REVERE LIFE INSURANCE COMPANY | $918 | $102 | $1K | 1.21% |
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 | 3,559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,269 | $694K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,025 | $97K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,559 | $1.8M |
| Short-term disability(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,559 | $2.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,559 | $1.2M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,559 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,559 | — |
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.