| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $3 | $587 | 1.08% |
| BRAD BIEL3 | 1050 WALL STREE LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | $11 | $528 | 0.97% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | — | $399 | 0.74% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.47% |
| WENDY BIEL3 | 1257 CROSSBOW CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.18% |
| CDC CONSULTING SERVICES INC3 | AND VARIOUS AGENTS 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.15% |
| MORGAN, PHILIP3 | PO BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| CHAMBERS, JERALD W3 | 333 SYLVAN AVE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $844 | — | $844 | 1.58% |
| YBS BENEFITS LLC,3 | 64 BLOOMFIELD LANE WILLINGSBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $134 | — | $134 | 0.25% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $3K | $19 | $3K | 13.91% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $752 | — | $752 | 4.14% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $307 | — | $307 | 1.69% |
| MJ INSURANCE3 Filed as: DANIEL J BROPHY AND VARIOUS AGENTS | 674 ROUTE 202 206 NORTH BUILDING 4 UNIT 7 BRIDGEWATER, NJ 08807 | AFLAC | $185 | $7 | $192 | 1.06% |
| THOMAS F COLLINS JR3 | 40 CLINTON ST STE 700 NEWARK, NJ 07102 | AFLAC | $143 | — | $143 | 0.79% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $134 | — | $134 | 0.74% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $95 | — | $95 | 0.52% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | — | $2K | 13.22% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $630 | — | $630 | 3.50% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $259 | — | $259 | 1.44% |
| MJ INSURANCE3 Filed as: ALBERT SHUST AND VARIOUS AGENTS | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $175 | — | $175 | 0.97% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $159 | — | $159 | 0.88% |
| THOMAS F COLLINS JR3 | 40 CLINTON ST STE 700 NEWARK, NJ 07405 | AFLAC | $141 | — | $141 | 0.78% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $81 | — | $81 | 0.45% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 248 | $90K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $90K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 248 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.