| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | STANDARD INSURANCE COMPANY | $9K | $628 | $9K | 4.10% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 2.79% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE #200 CAMDEN, NJ 08103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.90% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT SITE 301 WAYNE, PA 19087 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | — | $225 | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | INDEPENDENCE ADMINISTRATORS | $51K | — | $51K | — |
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 | 606 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $2K |
| Vision | STANDARD INSURANCE COMPANY | 254 | $228K |
| Life insurance | STANDARD INSURANCE COMPANY | 254 | $228K |
| Short-term disability | STANDARD INSURANCE COMPANY | 254 | $228K |
| Long-term disability | STANDARD INSURANCE COMPANY | 254 | $228K |
| Stop-loss / reinsurancereinsurance | INDEPENDENCE ADMINISTRATORS | 186 | $0 |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 600 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.