| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP MORGAN3 | PO BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| JERALD W CHAMBERS3 | 333 SYLVAN AVENUE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| YBS BENEFITS LLC,3 Filed as: YBS BENEFITS LLC | 64 BLOOMFIELD LANE WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $135 | — | $135 | 0.20% |
| GEORGE E BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 5.56% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $762 | $1K | 4.13% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $452 | $814 | 2.25% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $79 | $427 | 1.18% |
| ROBERT ARNOLD3 | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $9 | $296 | 0.82% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.44% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.22% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY INC AND VARIOUS | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.06% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVENUE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DR STE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ELITE ADMINISTRATION3 | 193 SCHLAFER ROAD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARK STANLEY3 | 193 SCHLAFTER ROAD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| DAVID F FORTE3 Filed as: DAVID FORTE | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | $158 | $2K | 11.68% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $638 | $32 | $670 | 3.77% |
| THOMAS F COLLINS3 Filed as: THOMAS COLLINS JR | 40 CLINTON STREET STE 700 NEWARK, NJ 07102 | AFLAC | $483 | — | $483 | 2.72% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $295 | $32 | $327 | 1.84% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $198 | — | $198 | 1.12% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $67 | — | $67 | 0.38% |
| DANIEL BROPHY3 | 674 ROUTE 202 206 NORTH BUILDING 4 UNIT 7 BRIDGEWATER, NJ 08807 | AFLAC | $66 | — | $66 | 0.37% |
| MJ INSURANCE3 Filed as: ROBERT ARNOLD AND VARIOUS AGENTS | 650 1ST STREET APT 6 HOBOKEN, NJ 07030 | AFLAC | $63 | — | $63 | 0.35% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $44 | — | $44 | 0.25% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE STE 105 PISCATAWAY, NJ 08854 | AFLAC | — | — | $0 | 0.00% |
| ROBERT ARNOLD3 | 650 1ST STREET APT 6 HOBOKEN, NJ 07030 | AFLAC | — | — | $0 | 0.00% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK SIRACUSA | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | — | — | $0 | 0.00% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | $108 | $2K | 11.68% |
| CHRISTOPHER T LYONS3 | 60 US HWY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $555 | $22 | $577 | 3.61% |
| THOMAS F COLLINS JR3 | 40 CLINTON ST STE 700 NEWARK, NJ 07102 | AFLAC | $327 | — | $327 | 2.05% |
| ZORN BENEFITS GROUP LLC3 | 60 US HWY 46 FAIRFIELD, NJ 07004 | AFLAC | $264 | $22 | $286 | 1.79% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $159 | — | $159 | 1.00% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A FORNARO AND VARIOUS AGENT | 271 US HWY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $146 | — | $146 | 0.91% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $67 | — | $67 | 0.42% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 283 | $67K |
| Other(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 283 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.