| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INS. AGENCY INC | 632 EAST BROAD STREET SOUDERTON, PA 18964 | GUARDIAN LIFE INSUANCE CO OF AMERICA | — | $2K | $2K | 6.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENT ADMINISTRATORS EIN 23-2184623 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $588K |
| LACHER & ASSOCIATES INS. AGENCY INC EIN 23-2134092 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $109K |
| AMERIHEALTH ADMINISTRATORS EIN 23-2521508 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $105K |
| IBEW LOCAL UNION NO. 126 EIN 23-1302203 RELATED | Contract Administrator; Direct payment from the plan Service code 13 | — | $104K |
| WELLS FARGO BANK EIN 56-1354495 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $63K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $45K |
| TELADOC INC EIN 04-3705970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $41K |
| BMI AUDIT SERVICES LLC EIN 35-2051914 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $26K |
| CLEARY & JOSEM LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CHEIRON, INC EIN 13-4215617 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $15K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $14K |
| HERNDON CAPITAL MANAGEMENT LLC EIN 26-3757865 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
| UBS FINANCIAL SERVICES INC EIN 13-2638166 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $9K |
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 | 1,272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 1,412 | $146K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPNAY | 1,343 | $45K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPNAY | 1,334 | $536K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPNAY | 1,343 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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.