Community Options Inc.
Updated Filing received by DOL
Community Options Inc., a healthcare & social assistance employer in Princeton, New Jersey, reported 3,650 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $987,209 in insurance premiums across 8 contracts and $508,526 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on June 26, 2026, before the deadline.
Who was paid on Community Options Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Community Options Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Philip Lian · Princeton, NJ | $233,466 | $0 | $233,466 | 6 |
| Phillip E Lian · Princeton, NJ | $93,759 | $0 | $93,759 | 1 |
| Katchen Financial Group · Bridgewater, NJ | $44,165 | $0 | $44,165 | 3 |
| Andrew Silbert · Parsippany, NJ | $35,001 | $0 | $35,001 | 2 |
| Various See Attached for Additional | $24,129 | $5,997 | $30,126 | 1 |
| Mitchell Katchen · Bridgewater, NJ | $23,563 | $0 | $23,563 | 2 |
| David Spangler JR · Quarryville, PA | $21,503 | $0 | $21,503 | 1 |
| Wendy Madonna · Schwenksville, PA | $8,071 | $385 | $8,456 | 1 |
| Gary Davis · Sewell, NJ | $3,901 | $2,626 | $6,527 | 1 |
| Calvin Nathaniel Eason · New Castle, DE | $6,512 | $0 | $6,512 | 1 |
| Aiken Enterprises · Hudson, NJ | $1,875 | $64 | $1,939 | 1 |
| Various Additional See Attached | $992 | $527 | $1,519 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental of NJ, Incdental | 1,572 | $987,209 | $93,759 | 9.5% |
| Colonial Life & Accident Insurance Companylife, short-term disability | 636 | — | $143,722 | — |
| The Paul Revere Life Insurance Companylife, short-term disability | 60 | — | $12,968 | — |
| Pre-Paid Legal Services, Inc. dba Legalshieldcoverage not coded | 567 | — | $22,112 | — |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 4,131 | — | $140,484 | — |
| Sun Life Assurance Company of Canadashort-term disability | 1,782 | — | $76,103 | — |
| Sun Life and Health Insurance Company (US)short-term disability | 533 | — | $4,234 | — |
| Metropolitan Life Insurance Companyvision | 2,458 | — | $15,144 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Community Options Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 3,559 | 3,650 | +2.6% |
| Premiums filed | $770,170 | $987,209 | +28.2% |
| Broker commissions + fees | $478,887 | $508,526 | +6.2% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Community Options Inc. Employee Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | June 26, 2026 | before deadline | 3,650 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Community Options Inc. pay in health insurance broker commissions in 2025?
Community Options Inc.'s 2025 Form 5500 reports $508,526 in broker commissions and fees across 8 insurance contracts ($498,754 in commissions, $9,772 in fees), with Philip Lian receiving the largest share.
Is Community Options Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Community Options Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Community Options Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.