| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE | 632 EAST BROAD STSREET SOUDERTON, PA 18964 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.06% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.00% |
| MAZZMAR LLC3 Filed as: MAZZMAR, LLC | UNKNOWN TELFORD, PA 18969 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.03% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLC | UNKNOWN TELFORD, PA 18969 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.02% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE | 632 EAST BROAD STSREET SOUDERTON, PA 18964 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN TELFORD, PA 18969 | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | — | $866 | $866 | 5.00% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $1K | $0 | $1K | 6.18% |
| STEVEN WARD3 | 2905 JOLLY ROAD PLYMOUTH MEETING, PA 19462 | AFLAC | $1K | $0 | $1K | 5.92% |
| BONNIE H DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $331 | $0 | $331 | 1.93% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | AFLAC | $181 | $0 | $181 | 1.05% |
| JESSICA WOLFE3 | PO BOX 237 PINE FORGE, PA 19548 | AFLAC | $58 | $0 | $58 | 0.34% |
| MARYLEE SAULNIER-EBERT3 Filed as: MARYLEE SAULNIER-EBERT & AGENTS | 811 REDWOOD AVENUE WYOMISSING, PA 19610 | AFLAC | $34 | $0 | $34 | 0.20% |
| T H U ENTERPRISES INC3 | PO BOX 1106 BLAKESLEE, PA 18610 | AFLAC | $20 | $0 | $20 | 0.12% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $60K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | 146 | $34K |
| Short-term disability | AFLAC | 26 | $17K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | 146 | $17K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMAPANY OF AMERICA | 146 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.