| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $46K | $46K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.04% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63K | $0 | $63K | 16.70% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | METLIFE LEGAL PLANS, INC. | $3K | $0 | $3K | 7.44% |
| BIRCH BENEFITS LLC3 | 4564 PAYSPERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $0 | $65 | $65 | 0.14% |
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 | 2,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,507 | $227K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,278 | $1.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,290 | $671K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE COMPANY | 1,844 | $283K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,278 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,278 | — |
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."
No prospect flags tripped on this filing.