| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE | PO BOX 64398 632 EAST BROAD STREET SOUDERTON, PA 18964 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.07% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 CAMDEN, PA 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $918 | $8K | 1.88% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | TRIAD 1828 CENTRE 2 COOPER STREET CAMDEN, PA 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 1.80% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | TRIAD 1828 CENTRE 2 COOPER STREET CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.42% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INS AGENCY INC | 632 EAST BROAD STREET SOUDERTON, PA 18964 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.55% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES, INC. | PO BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $695 | $0 | $695 | 2.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | TRIAD 1828 CENTRE 2 COOPER STREET CAMDEN, PA 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $1K | $5K | 15.97% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE | PO BOX 64398 632 EAST BROAD STREET SOUDERTON, PA 18964 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $168 | $0 | $168 | 0.49% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 CAMDEN, PA 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $82 | $0 | $82 | 0.24% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 658 | $219K |
| Vision | VISION SERVICE PLAN | 246 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $457K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $457K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $491K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.