| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INSURANCE | UNKNOWN HARLEYSVILLE, PA 19438 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 10.00% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INS AGENCY, INC | 632 EAST BROAD STREET SOUDERTON, PA 18964 | VISION SERVICE PLAN | $596 | $0 | $596 | 8.61% |
| EMERSON REID LLC3 Filed as: EMERSON ROGRES, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $351 | — | $351 | 5.07% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC | 1980 FESTIVAL PLAZA DRIVE, SUITE 81 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $51 | — | $51 | 0.74% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 85 | $40K |
| Vision | VISION SERVICE PLAN | 58 | $7K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 143 | $40K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 143 | $40K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 143 | $40K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 143 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.