| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 E SWEDESFORD ROAD WAYNE, PA 19087 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.19% |
| ENROLLEASE3 Filed as: ONE DIGITAL HEALTH AND BENEFITS | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.11% |
| BIRCH BENEFITS LLC3 | 480 E SWEDESFORD ROAD WAYNE, PA 19087 | AETNA LIFE INSURANCE COMPANY | $338 | — | $338 | 0.84% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA CT STE 301 WAYNE, PA 19087 | VISION SERVICE PLAN | $57 | — | $57 | 0.30% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA CT, SUITE 301 WAYNE, PA 19087 | SUN LIFE AND HEALTH INSURANCE COMPANY | $41 | $49 | $90 | 2.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $3 | $3 | 0.07% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 522 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 522 | $2.7M |
| Vision | VISION SERVICE PLAN | 192 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $177K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $181K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $177K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 208 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.