| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | — | HIGHMARK INC. | $45K | — | $45K | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | — | HIGHMARK INC. | $45K | — | $45K | 0.81% |
| BIRCH BENEFITS LLC3 | 1000 CONTINENTAL DRIVE SUITE 430 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $11K | $28K | 6.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 6.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA INSURANCE COMPANY | $8K | $199 | $8K | 3.44% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.27% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $656 | $16 | $672 | 3.16% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 455 | $5.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 650 | $266K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 687 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 898 | $416K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 898 | $416K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 898 | $416K |
| Prescription drug | HIGHMARK INC. | 455 | $5.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 898 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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."
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.