| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $0 | $342 | $342 | 0.04% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCIATES INS. AGENCY | PO BOX 64398 SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.98% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, SUITE 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.87% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | METROPOLITAN LIFE INSURANCE COMPANY | $740 | $0 | $740 | 0.98% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $152 | $0 | $152 | 0.20% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCIATES INS. AGENCY | PO BOX 64398 SOUDERTON, PA 18964 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.75% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCIATES INS. AGENCY | PO BOX 64396 SOUDERTON, PA 18964 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $885 | $0 | $885 | 6.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $725 | $725 | 5.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWA WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $783 | $409 | $1K | 15.22% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $392 | $0 | $392 | 5.01% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | KANAWHA INSURANCE COMPANY | $320 | $0 | $320 | 8.83% |
| FRANKENFIELD, JOHN L.3 | 199 TELEFORD PIKE TELEFORD, PA 18969 | KANAWHA INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 156 | $779K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $8K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $89K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $75K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $89K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 156 | $779K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 157 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.