| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE AGCY | 632 EAST BROAD STREET PO BOX 64398 SOUDERTON, PA 18964 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $885 | $2K | 0.54% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $70 | $3K | 6.88% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE AGCY | 632 EAST BROAD STREET PO BOX 64398 SOUDERTON, PA 18964 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.16% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE AGCY | 632 EAST BROAD STREET SOUDERTON, PA 18964 | VISION SERVICE PLAN | $4 | $0 | $4 | 0.01% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG COMPANIES, INC. | PO BOX 99106 CAMDEN, NJ 08101 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 CAMDEN, NJ 08101 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $334 | $3K | 10.86% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE AGCY | 632 EAST BROAD STREET PO BOX 64398 SOUDERTON, PA 18964 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $41 | $17 | $58 | 0.23% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 679 | $223K |
| Vision | VISION SERVICE PLAN | 258 | $37K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $491K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $491K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $516K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.