| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCS INS AGENCY, INC. | UNKNOWN TELFORD, PA 18969 | DELTA DENTAL | $5K | $0 | $5K | 9.50% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCS INS AGENCY, INC. | PO BOX 64398 SOUDERTON, PA 18964 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $284 | $284 | 2.02% |
| LACHER AND ASSOCIATES INSURANCE Filed as: LACHER AND ASSOCIATES INS. AGENCY | PO BOX 64398 SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.40% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $595 | $595 | 4.44% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $870 | $313 | $1K | 13.60% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFTIS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $435 | $0 | $435 | 5.00% |
| FIFS, LLC3 Filed as: FIFS LLC | 199 TELFORD PIKE TELFORD, PA 18969 | KANAWHA INSURANCE COMPANY | $47 | $0 | $47 | 3.78% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 141 | $811K |
| Dental | DELTA DENTAL | 166 | $53K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 63 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $27K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 28 | $13K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $27K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 141 | $811K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.