| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $54K | $2K | $56K | 7.68% |
| LACHER AND ASSOCIATES INSURANCE3 | 632 EAST BROAD STREET SOUNDERTON, PA 18964 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.24% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$447 | $0 | -$447 | -0.81% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $2K | $247 | $2K | 7.16% |
| MICHEAL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | AFLAC | $743 | $223 | $966 | 3.15% |
| BONNIE DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $513 | $107 | $620 | 2.02% |
| NICHOLAS C BENNIS3 Filed as: NICHOLAS C. BENNIS | 510 FILBERT ROAD ORELAND, PA 19075 | AFLAC | $223 | $38 | $261 | 0.85% |
| JESSICA WOLFE3 | PO BOX 237 PINE FORGE, PA 19548 | AFLAC | $125 | $13 | $138 | 0.45% |
| THU ENTERPRISES INC & OTHER AGENTS3 | PO BOX 1106 BLAKESLEE, PA 18610 | AFLAC | $40 | $0 | $40 | 0.13% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B. GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $28 | $0 | $28 | 0.09% |
| LACHER AND ASSOCIATES INSURANCE3 | 632 EAST BROAD STREET SOUNDERTON, PA 18964 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | $0 | $839 | $839 | 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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 121 | $733K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $55K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $55K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 150 | $47K |
| Short-term disability | AFLAC | 38 | $31K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | 150 | $17K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 121 | $733K |
| Other(2 contracts, 2 carriers) | AFLAC | 150 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.