| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $108K | — | $108K | 7.87% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 1.97% |
| PHILLIP E LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $38K | — | $38K | 4.98% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 7.88% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 1.97% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50K | — | $50K | 7.69% |
| ANDREW SILBERT3 | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $10K | $50K | 7.67% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED FOR ADDITIONAL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $5K | $38K | 5.89% |
| MITCHELL KATCHEN3 | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | — | $27K | 4.11% |
| WENDY MADONNA3 | 4758 MACGREGOR DRIVE SCHWENKSVILLE, PA 19473 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $223 | $12K | 1.83% |
| GARY D DAVIS3 Filed as: GARY DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 1.16% |
| IRA EDENBAUM3 | 17978 CHERISHED LOOP BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.84% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 11.90% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | — | $3K | 3.71% |
| KATCHEN FINANCIAL GROUP3 | 674 RTE 202 206 N BRIDGEWATER, NJ 08807 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $842 | — | $842 | 0.93% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 5.20% |
| ANDREW SILBERT3 | 2 DUNKIRK DR PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $601 | $4K | 4.74% |
| AIKEN ENTERPRISES LLC3 Filed as: AIKEN ENTERPRISES | 341 GILLIGAN ROAD HUDSON, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $495 | $4K | 4.09% |
| MITCHELL KATCHEN3 | 674 US HWY 202 206 BRIDGEWATER, NJ 08807 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS ADDITIONAL SEE ATTACHED | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $832 | $828 | $2K | 1.87% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | THE PAUL REVERE LIFE INSURANCE COMPANY | $571 | $425 | $996 | 1.12% |
| PAMELA SUSAN LEVY3 | 150 50TH AVE APT 3109 LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $623 | $105 | $728 | 0.82% |
| DAVID SPANGLER JR.4 Filed as: DAVID SPANGLER JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9K | — | $9K | 10.49% |
| FRANCES HARWELL4 | 51 NELSON AVE WOODBURY, NJ 08096 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $83 | — | $83 | 0.10% |
| MARVIN TURNER4 | 403 COLINA LANE COATESVILLE, PA 19320 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | — | $57 | 0.07% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $56 | — | $56 | 0.07% |
| CLAUDE GIBBS III4 | 22432 DARK STAR WAY LEXINGTON PARK, MD 20653 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | — | $26 | 0.03% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | — | $24 | 0.03% |
| SUSAN EATON4 | 4110 DERRICK STREET KINGSTON, OK 73439 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | — | — | $0 | 0.00% |
| ALFREDA PEARSON4 | 2545 NORTHCUTT RD HARTSVILLE, SC 29550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | — | — | $0 | 0.00% |
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 | 3,650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,360 | $771K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,252 | $111K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,650 | $2.1M |
| Short-term disability(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,650 | $2.9M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,650 | $1.4M |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,650 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,650 | — |
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.