| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN, PHILIP3 | P O BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC, | DBA PREMIER WORKSITE B 700 KINDERKAMACK RD ST ORADELL, NJ 07649 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $117 | — | $117 | 0.27% |
| CHAMBERS, JERALD W3 | 333 SYLVAN AVE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $66 | — | $66 | 0.15% |
| YBS BENEFITS LLC,3 | 64 BLOOMFIELD LANE WILLINGSBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 1.19% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.60% |
| JAMEL WRIGHT3 | 4 BUDD ST LEDGEWOOD, NJ 07852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.56% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST APT 5E EAST ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.32% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | — | $2K | 8.17% |
| PATRICIA L THOMPSON3 | 21 EV KEN TER DOVER, NJ 07801 | AFLAC | $623 | — | $623 | 2.95% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $587 | — | $587 | 2.78% |
| MJ INSURANCE3 Filed as: THOMAS F COLLINS AND VARIOUS AGENTS | 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $348 | — | $348 | 1.65% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $146 | — | $146 | 0.69% |
| YANIS E KALOUDIS3 | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $133 | — | $133 | 0.63% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $85 | — | $85 | 0.40% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $1K | $25 | $1K | 6.90% |
| YANIS E KALOUDIS3 | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $660 | $52 | $712 | 4.03% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $422 | $6 | $428 | 2.42% |
| THOMAS F COLLINS3 | AND VARIOUS AGENTS 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $328 | — | $328 | 1.86% |
| PATRICIA L THOMPSON3 | 21 EV KEN TER DOVER, NJ 07801 | AFLAC | $287 | — | $287 | 1.63% |
| SAMANTHA CIOFFI3 Filed as: SAMANTHA E CIOFFI | PO BOX 7131 OAKLAND, NJ 07436 | AFLAC | $96 | $6 | $102 | 0.58% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $90 | $6 | $96 | 0.54% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 3.04% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 1.34% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST APT 5E EAST ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.64% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.62% |
| JAMEL WRIGHT3 | 4 BUDD ST LEDGEWOOD, NJ 07852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.34% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 209 | $83K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 30 | $85K |
| Other(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 209 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
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.