| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 480 SWEDESFORD RD STE 130 WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 14.28% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT STE 130 WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIRCH BENEFITS BROKER | Insurance agents and brokers Service code 22 | 408 E SWEDESFORD RD STE 130 WAYNE, PA 19087 | $1.4M |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $54K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $41K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $181K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $181K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $181K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 208 | $521K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.