| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP MORGAN3 | PO BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| JERALD W CHAMBERS3 | 333 SYLVAN AVENUE, SUITE 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| YBS BENEFITS LLC,3 Filed as: YBS BENEFITS LLC | 64 BLOOMFIELD LANE WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $124 | $0 | $124 | 0.21% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $40 | $2K | 5.19% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $479 | $449 | $928 | 2.29% |
| JAMEL WRIGHT3 | 1517 RIVER STATION BOULEVARD SECAUCUS, NJ 07094 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $623 | $3 | $626 | 1.54% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $365 | $16 | $381 | 0.94% |
| ROBERT ARNOLD3 | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $2 | $300 | 0.74% |
| MJ INSURANCE3 Filed as: DONALD SCHULER AND VARIOUS AGENTS | 963 HUNT DRIVE YARDLEY, PA 19067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | $0 | $228 | 0.56% |
| MELVINEA WILLIAMS3 | 377 SOUTH HARRISON STREET EAST ORANGE, NJ 07018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.36% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $781 | $10 | $791 | 4.28% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $80 | $256 | 1.39% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | $3 | $196 | 1.06% |
| JAMEL WRIGHT3 | 1517 RIVER STATION BOULEVARD SECAUCUS, NJ 07094 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $1 | $171 | 0.93% |
| MELVINEA WILLIAMS3 | 377 SOUTH HARRISON STREET EAST ORANGE, NJ 07018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.88% |
| MJ INSURANCE3 Filed as: DONALD SCHULER AND VARIOUS AGENTS | 963 HUNT DRIVE YARDLEY, PA 19067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.54% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSUTLING SERVICES INC. | 47 WESTERN AVENUE DEER PARK, NY 11729 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.41% |
| DAVID F FORTE3 Filed as: DAVID F. FORTE | 23 CHERRY BROOK LANE EAST WINDSOR, NJ 08520 | AFLAC | $919 | $0 | $919 | 5.60% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER T. LYONS | 60 US HIGHWAY 46, SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $427 | $0 | $427 | 2.60% |
| THOMAS F COLLINS JR3 Filed as: THOMAS F. COLLINS JR | 40 CLINTON STREE, SUITE 700 NEWARK, NJ 07102 | AFLAC | $207 | $0 | $207 | 1.26% |
| LOUIS M WETZEL3 Filed as: LOUIS M. WETZEL | 94 WANAQUE AVENUE, SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $171 | $0 | $171 | 1.04% |
| MJ INSURANCE3 Filed as: MICHAEL FORNANO AND VARIOUS AGENTS | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $155 | $0 | $155 | 0.95% |
| ZORN BENEFITS GROUP LLC3 | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $148 | $0 | $148 | 0.90% |
| DANIEL BROPHY3 Filed as: DANIEL J. BROPHY | 674 ROUTE 202 206 NORTH BUILDING 4 UNIT 7 BRIDGEWATER, NJ 08807 | AFLAC | $59 | $0 | $59 | 0.36% |
| DAVID F FORTE3 Filed as: DAVID F. FORTE | 23 CHERRY BROOK LANE EAST WINDSOR, NJ 08520 | AFLAC | $1K | $0 | $1K | 7.45% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER T. LYONS | 60 US HIGHWAY 46, SUITE 4 FAIRFIELD, NJ 07004 | AFLAC | $372 | $0 | $372 | 2.75% |
| MJ INSURANCE3 Filed as: MICHAEL FORNARO AND VARIOUS AGENTS | 271 US HIGHWAWY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $150 | $0 | $150 | 1.11% |
| THOMAS F COLLINS JR3 Filed as: THOMAS F. COLLINS JR | 40 CLINTON STREE, SUITE 700 NEWARK, NJ 07102 | AFLAC | $149 | $0 | $149 | 1.10% |
| LOUIS M WETZEL3 Filed as: LOUIS M. WETZEL | 94 WANAQUE AVENUE, SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $133 | $0 | $133 | 0.98% |
| ZORN BENEFITS GROUP LLC3 | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $126 | $0 | $126 | 0.93% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $58 | $0 | $58 | 0.43% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 262 | $88K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $89K |
| Other(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 262 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.