| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK RUHLE3 Filed as: PATRICK M. KAIN | — | HIGHMARK INC. | $81K | $0 | $81K | 1.60% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA CT SUITE 301 WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $16K | $56K | 12.24% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA INSURANCE COMPANY | $12K | $937 | $13K | 5.80% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 23.08% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 E SWEDESFORD RD, SUITE 130 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | $99 | $1K | 5.77% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 396 | $5.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 577 | $250K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 608 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 759 | $454K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 759 | $454K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 759 | $454K |
| Prescription drug | HIGHMARK INC. | 396 | $5.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 759 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.