| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $46 | $4K | 7.25% |
| BRAD BIEL3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 4.24% |
| JAMEL WRIGHT3 | 138 SCOLES AVE CLIFTON, NJ 07012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $511 | $2K | 2.99% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST 17TH ST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.92% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 0.63% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 0.43% |
| CDC CONSULTING SERVICES INC3 | AND VARIOUS AGENTS 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.26% |
| MORGAN, PHILIP3 | PO BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.11% |
| CHAMBERS, JERALD W3 | 333 SYLVAN AVE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $635 | — | $635 | 1.33% |
| YBS BENEFITS LLC,3 | 64 BLOOMFIELD LANE WILLINGSBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $95 | — | $95 | 0.20% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $3K | $202 | $3K | 12.42% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $948 | $40 | $988 | 3.65% |
| ZORN BENEFITS GROUP LLC3 | AND VARIOUS AGENTS 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $289 | — | $289 | 1.07% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $207 | $40 | $247 | 0.91% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $205 | — | $205 | 0.76% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $156 | — | $156 | 0.58% |
| THOMAS F COLLINS JR3 | 40 CLINTON ST STE 700 NEWARK, NJ 07102 | AFLAC | $154 | — | $154 | 0.57% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | $243 | $2K | 9.58% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $591 | $49 | $640 | 3.09% |
| ZORN BENEFITS GROUP LLC3 | AND VARIOUS AGENTS 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $231 | — | $231 | 1.12% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $131 | $49 | $180 | 0.87% |
| LOUIS M WETZEL3 | 94 WANAQUE AVE SUITE 124 POMPTON LAKES, NJ 07442 | AFLAC | $159 | — | $159 | 0.77% |
| THOMAS F COLLINS JR3 | 40 CLINTON ST STE 700 NEWARK, NJ 07102 | AFLAC | $137 | — | $137 | 0.66% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $98 | — | $98 | 0.47% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 232 | $96K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $101K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 232 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.