Welfare broker

LACHER AND ASSOCIATES INSURANCE

Mailing address (most recent filing)

632 EAST BROAD STREET

SOUDERTON, PA 18964

Total comp: $197K
Commissions: $150K
Fees: $47K
Filings: 17
Sponsors: 17

Carrier mix

Where LACHER AND ASSOCIATES INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA42.9%
DELTA DENTAL OF CALIFORNIA28.6%
CAPITAL ADVANTAGE ASSURANCE COMPANY14.3%
AMERITAS LIFE INSURANCE CORP.14.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	3	$1.7M	42.9%
DELTA DENTAL OF CALIFORNIA	2	$853K	28.6%
CAPITAL ADVANTAGE ASSURANCE COMPANY	1	$124K	14.3%
AMERITAS LIFE INSURANCE CORP.	1	$85K	14.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	7	$2.8M	0.1%	23.98x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of LACHER AND ASSOCIATES INSURANCE's plans by broker comp / premium ratio. Median 6.91% vs welfare-wide median 6.29% (n=7).

Prospect-flag exposure · vs market baseline

Share of LACHER AND ASSOCIATES INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-7 of 7 sponsors where LACHER AND ASSOCIATES INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MARTIN'S FAMOUS PASTRY SHOPPE, INC. MARTIN'S FAMOUS PASTRY SHOPPE, INC WELFARE BENEFIT PLAN	PA	$1.4M	$76K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SCENIC RIDGE SERVICE LLC SCENIC RIDGE SERVICES LLC HEALTH AND WEALTHFARE PLAN	PA	$124K	$13K	CAPITAL ADVANTAGE ASSURANCE COMPANY
TEL HAI RETIREMENT COMMUNITY TEL HAI RETIREMENT COMMUNITY HEALTH PLAN	PA	$179K	$12K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
TEL HAI RETIREMENT COMMUNITY TEL HAI RETIREMENT COMMUNITY GROUP TERM LIFE PLAN	PA	$167K	$12K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
FOUR SEASONS PRODUCE, INC. FOUR SEASONS PRODUCE, INC. EMPLOYEE BENEFIT PLAN	PA	$762K	$11K	DELTA DENTAL OF PENNSYLVANIA
LANDIS SUPERMARKET, INC. LANDIS SUPERMARKET, INC. HEALTH AND WELFARE PLAN	PA	$85K	$10K	AMERITAS
PEACEFUL LIVING PEACEFUL LIVING BENEFIT PLAN	PA	$91K	$5K	DELTA DENTAL OF PENNSYLVANIA