| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN, PHILIP3 | P O BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| CHAMBERS, JERALD W3 | 333 SYLVAN AVE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $225 | — | $225 | 0.49% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC, | DBA PREMIER WORKSITE B 700 KINDERKAMACK RD ST ORADELL, NJ 07649 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $214 | — | $214 | 0.47% |
| YBS BENEFITS LLC,3 | 64 BLOOMFIELD LANE WILLINGSBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.11% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 1.08% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.58% |
| JAMEL WRIGHT3 | 351 OLD SHORT HILLS ROAD SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.53% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.32% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.19% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $775 | — | $775 | 4.15% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $449 | — | $449 | 2.40% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A FORNARO AND VARIOUS | AGENTS 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $104 | — | $104 | 0.56% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $99 | — | $99 | 0.53% |
| THOMAS F COLLINS3 | 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $80 | — | $80 | 0.43% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $58 | — | $58 | 0.31% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $46 | — | $46 | 0.25% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | — | $628 | 3.55% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.93% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.68% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.66% |
| JAMEL WRIGHT3 | 351 OLD SHORT HILLS ROAD SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.36% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.12% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DAVID F FORTE3 | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $796 | — | $796 | 5.62% |
| CHRISTOPHER T LYONS3 | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $375 | — | $375 | 2.65% |
| PATRICIA L THOMPSON3 | AND VARIOUS AGENTS 21 EV KEN TER DOVER, NJ 07801 | AFLAC | $218 | — | $218 | 1.54% |
| YANIS E KALOUDIS3 | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $173 | — | $173 | 1.22% |
| THOMAS F COLLINS3 | 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $73 | — | $73 | 0.51% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $61 | — | $61 | 0.43% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $52 | — | $52 | 0.37% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 227 | $78K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $84K |
| Other(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 227 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.