| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCS. INS. AGENCY INC. | 632 EAST BROAD STREET SOUDERTON, PA 18964 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1 | $435 | $434 | 0.70% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $420 | $0 | $420 | 0.68% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $5K | $0 | $5K | 22.44% |
| NICHOLAS C BENNIS3 | 510 FILBERT ROAD ORELAND, PA 19075 | AFLAC | $2K | $106 | $2K | 8.97% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | AFLAC | $1K | $0 | $1K | 5.41% |
| BONNIE DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $1K | $0 | $1K | 5.24% |
| JESSICA WOLFE3 | PO BOX 237 PINE FORGE, PA 19548 | AFLAC | $771 | $0 | $771 | 3.35% |
| WESLEY HALL3 | 437 KENNEDY ROAD COLLEGEVILLE, PA 19426 | AFLAC | $749 | $0 | $749 | 3.25% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B GOLDBERG AND OTHER AGENTS | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $306 | $0 | $306 | 1.33% |
| LAUCHER AND ASSOCIATES INSURANCE3 | UNKNOWN SOUNDERTON, PA 18964 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $622 | $622 | 5.00% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCS. INS. AGENCY INC. | PO BOX 64398 SOUDERTON, PA 18964 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $849 | $0 | $849 | 19.99% |
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) | INDEPENDENCE BLUE CROSS | 132 | $744K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $62K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 161 | $40K |
| Short-term disability | AFLAC | 51 | $23K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 161 | $17K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 132 | $744K |
| Other(3 contracts, 3 carriers) | AFLAC | 161 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.