| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ACCOCIATES INS AGENCY | 632 EAST BROAD STREET SOUDETON, PA 18964 | AMERITAS | $2K | $0 | $2K | 5.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AMERITAS | $1K | $0 | $1K | 2.61% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $1K | $35 | $1K | 5.69% |
| BONNIE H DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $345 | $21 | $366 | 1.77% |
| STEVEN WARD3 | 2905 JOLLY ROAD PLYMOUTH MTNG, PA 19462 | AFLAC | $284 | $24 | $308 | 1.49% |
| GRANT BURGESS3 | 231 FOXGAYTE LANE POTTSTOWN, PA 19465 | AFLAC | $221 | $2 | $223 | 1.08% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | AFLAC | $140 | $0 | $140 | 0.68% |
| T H U ENTERPRISES INC3 Filed as: T H U ENTERPRISES INC & OTHER AGENT | PO BOX 1106 BLAKESLEE, PA 18610 | AFLAC | $65 | $0 | $65 | 0.31% |
| JESSICA WOLFE3 | PO BOX 237 OINE FORGE, PA 19548 | AFLAC | $48 | $0 | $48 | 0.23% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER ASSOCIATES INSURANCE | UNKNOWN SOUDERTON, PA 18964 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $915 | $915 | 5.42% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 184 | $47K |
| Vision | AMERITAS | 184 | $47K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 144 | $38K |
| Short-term disability | AFLAC | 27 | $21K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 144 | $17K |
| Other(2 contracts, 2 carriers) | AFLAC | 144 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.