| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCIATES INS. AGENCY | PO BOX 64398 SOUDERTON, PA 18964 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $15 | $14K | 8.63% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B. GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $2K | $26 | $2K | 6.66% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $1K | $17 | $2K | 5.71% |
| BONNE H. DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $432 | $9 | $441 | 1.67% |
| CONLON AND ASSOCIATES LLC3 Filed as: CONLON AND ASSOCIATES, LLC | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $179 | $0 | $179 | 0.68% |
| MJ INSURANCE3 Filed as: ERIC MACDOUGALL AND VARIOUS AGENTS | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $62 | $0 | $62 | 0.23% |
| DAVID HEALEY3 Filed as: DAVID S. LAGNER | 5236 MAGNOLIA POND DRIVE SARASOTA, FL 34233 | AFLAC | $28 | $0 | $28 | 0.11% |
| THOMAS B DAVIS3 Filed as: THOMAS B. DAVIS | 835 ROSEHILL DRIVE KING OF PRUSSIA, PA 19406 | AFLAC | $16 | $0 | $16 | 0.06% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 240 | $103K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $189K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $189K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $163K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.