| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 5.72% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.88% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.90% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $865 | $865 | 1.75% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $587 | $587 | 2.86% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $214 | $214 | 1.76% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $982 | $0 | $982 | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $173 | $173 | 1.76% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR STE 430 KING OF PRUSSIA, PA 19406 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $532 | $0 | $532 | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $100 | $100 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $234K |
| BIRCH BENEFITS, LLC BROKER | Other commissions Service code 55 | 100 CONTINENTAL DRIVE STE 430 KING OF PRUSSIA, PA 19406 | $118K |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $136K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $136K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $87K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $718K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.