| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP MORGAN3 | PO BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.83% |
| JERALD W CHAMBERS3 | 333 SYLVAN AVENUE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.47% |
| YBS BENEFITS LLC,3 Filed as: YBS BENEFITS LLC | 64 BLOOMFIELD LANE WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| GEORGE E BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $453 | $5K | 12.05% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $839 | $4K | $5K | 11.79% |
| JAMEL WRIGHT3 | 341 MIDWOOD ST BROOKLYN, NY 11225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $345 | $4K | 9.36% |
| ELITE ADMINISTRATION3 | 193 SCHLAFER ROAD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $307 | $944 | 2.47% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.49% |
| MARK STANLEY3 | 193 SCHLAFTER ROAD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $47 | $178 | 0.46% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.28% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.06% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVENUE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LAWRENCE PRICHARD3 | 920 COLONIAL COURT COATESVILLE, PA 19320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DR STE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID F FORTE3 Filed as: DAVID FORTE | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $962 | $12 | $974 | 5.39% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $528 | $2 | $530 | 2.93% |
| THOMAS F COLLINS3 Filed as: THOMAS COLLINS JR | 40 CLINTON STREET STE 700 NEWARK, NJ 07102 | AFLAC | $469 | — | $469 | 2.60% |
| DIANNE WETZEL3 | 780 WATERFORD DR UNIT 101 NAPLES, FL 34113 | AFLAC | $268 | — | $268 | 1.48% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $133 | $2 | $135 | 0.75% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $124 | — | $124 | 0.69% |
| DANIEL BROPHY3 | 674 ROUTE 202 206 NORTH BUILDING 4 UNIT 7 BRIDGEWATER, NJ 08807 | AFLAC | $81 | — | $81 | 0.45% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $62 | — | $62 | 0.34% |
| ROBERT ARNOLD3 | 650 1ST STREET APT 6 HOBOKEN, NJ 07030 | AFLAC | $19 | — | $19 | 0.11% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $15 | — | $15 | 0.08% |
| DAVID F FORTE3 Filed as: DAVID FORTE | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $842 | $54 | $896 | 6.03% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $408 | $11 | $419 | 2.82% |
| THOMAS F COLLINS3 Filed as: THOMAS COLLINS JR. | 40 CLINTON ST STE 700 NEWARK, NJ 07102 | AFLAC | $337 | — | $337 | 2.27% |
| DIANNE WETZEL3 | 792 EAGLE CREEK DR UNIT 103 NAPLES, FL 34113 | AFLAC | $182 | — | $182 | 1.23% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $147 | $11 | $158 | 1.06% |
| IRENE H EMMETT3 Filed as: IRENE EMMETT | 1501 MERRYWOOD DR EDISON, NJ 08817 | AFLAC | $101 | — | $101 | 0.68% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $88 | — | $88 | 0.59% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $71 | — | $71 | 0.48% |
| MAXINE E AMDUR3 Filed as: MAXINE AMDUR | 3 SCOTT LN MANALAPAN, NJ 07726 | AFLAC | $41 | — | $41 | 0.28% |
| ROBERT ARNOLD3 | 650 1ST ST APT 6 HOBOKEN, NJ 07030 | AFLAC | $28 | — | $28 | 0.19% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $27 | — | $27 | 0.18% |
| DANIEL BROPHY3 | 674 ROUTE 202 206 NORTH BUILDING 4 UNIT 7 BRIDGEWATER, NJ 08807 | AFLAC | $22 | — | $22 | 0.15% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $19 | — | $19 | 0.13% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 301 | $78K |
| Other(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 301 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.