| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $4K | $13 | $4K | 10.35% |
| DAVID F FORTE3 Filed as: DAVID FORTE | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | $192 | $2K | 6.54% |
| THOMAS COLLINS3 | 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $980 | — | $980 | 2.84% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $653 | $13 | $666 | 1.93% |
| MICHAEL P ZORN3 Filed as: MICHAEL ZORN | AND VARIOUS AGENTS 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $324 | $27 | $351 | 1.02% |
| YANIS E KALOUDIS3 Filed as: YANIS KALOUDIS | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $322 | $5 | $327 | 0.95% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $44 | — | $44 | 0.13% |
| CHRISTOPHER T LYONS3 Filed as: CHRISTOPHER LYONS | 15 GLENDALE LN FAIRFIELD, NJ 07004 | AFLAC | $3K | $23 | $3K | 8.38% |
| DAVID F FORTE3 Filed as: DAVID FORTE | 23 CHERRY BROOK LN EAST WINDSOR, NJ 08520 | AFLAC | $2K | $210 | $2K | 6.09% |
| THOMAS COLLINS3 | 17 ACADEMY ST STE 301 NEWARK, NJ 07102 | AFLAC | $749 | — | $749 | 2.37% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $462 | $23 | $485 | 1.54% |
| MJ INSURANCE3 Filed as: LENIN RODRIGUEZ AND VARIOUS AGENTS | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $284 | $14 | $298 | 0.94% |
| YANIS E KALOUDIS3 Filed as: YANIS KALOUDIS | 45 DEAN ST WESTWOOD, NJ 07675 | AFLAC | $176 | $14 | $190 | 0.60% |
| PATRICIA THOMPSON3 | 21 EV KEN TER DOVER, NJ 07801 | AFLAC | $90 | $66 | $156 | 0.49% |
| MORGAN, PHILIP3 | P O BOX 809 WILLINGBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.59% |
| 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 | $876 | — | $876 | 2.90% |
| CHAMBERS, JERALD W3 | 333 SYLVAN AVE NO 218 ENGLEWOOD CLIFFS, NJ 07632 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.09% |
| YBS BENEFITS LLC,3 | 64 BLOOMFIELD LANE WILLINGSBORO, NJ 08046 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 0.85% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.53% |
| JAMEL WRIGHT3 | 4 BUDD ST LEDGEWOOD, NJ 07852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.52% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST APT 5E EAST ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.20% |
| EDWARD D SOMMER3 Filed as: EDWARD P DOUGHERTY INC | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | — | $294 | 3.27% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.57% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST APT 5E EAST ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.46% |
| JAMEL WRIGHT3 | 4 BUDD ST LEDGEWOOD, NJ 07852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.33% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 44 | $32K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 237 | $96K |
| Short-term disability(4 contracts, 2 carriers) | AFLAC | 44 | $104K |
| Other(5 contracts, 3 carriers) | AFLAC | 237 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.