| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 | 632 EAST BROAD STREET SOUDERTON, PA 18964 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.93% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $404 | $0 | $404 | 0.67% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $5K | $486 | $5K | 13.83% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | AFLAC | $2K | $134 | $2K | 6.03% |
| NICHOLAS C BENNIS3 Filed as: NICHOLAS C. BENNIS | 510 FILBERT ROAD ORELAND, PA 19075 | AFLAC | $1K | $164 | $2K | 3.96% |
| BONNIE DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $1K | $162 | $1K | 3.51% |
| JESSICA WOLFE3 | PO BOX 237 PINE FORGE, PA 19548 | AFLAC | $397 | $90 | $487 | 1.24% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B. GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $78 | $25 | $103 | 0.26% |
| T H U ENTERPRISES INC3 Filed as: T H U ENTERPRISES AND OTHER AGENTS | PO BOX 1106 BLAKESLEE, PA 18610 | AFLAC | $44 | $0 | $44 | 0.11% |
| LACHER AND ASSOCIATES INSURANCE3 | 632 EAST BROAD STREET SOUDERTON, PA 18964 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | $0 | $829 | $829 | 5.00% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 123 | $707K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $61K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 155 | $56K |
| Short-term disability | AFLAC | 50 | $39K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | 155 | $17K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 123 | $707K |
| Other(2 contracts, 2 carriers) | AFLAC | 155 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.