| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | A MARSH MCLENNAN AGENCY LLC 100 FRONT STREET WORCESTER, MA 01608 | HPHC JOINT VENTURE UHG | $44K | — | $44K | 1.15% |
| BIRCH BENEFITS LLC3 | 24 LOUELLS COURT, SUITE 31 WAYNE, PA 19087 | HPHC JOINT VENTURE UHG | $13K | — | $13K | 0.33% |
| BIRCH TREE BENEFITS3 Filed as: BIRCH TREE BENEFITS LLC | 62 VICTORIA FARMS ROAD FREMONT, NH 03044 | HPHC JOINT VENTURE UHG | $4K | — | $4K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NEW ENGLAND 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $24K | $30K | 5.31% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA CT #301 WAYNE, PA 190873562 | UNITEDHEALTHCARE INSURANCE COMPANY | $744 | — | $744 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INSURANCE AGENCY | A MARSH MCLENNAN AGENCY LLC 100 FRONT STREET WORCESTER, MA 01608 | HARVARD PILGRAM HEALTH CARE | $2K | — | $2K | 1.24% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | HARVARD PILGRAM HEALTH CARE | $662 | — | $662 | 0.36% |
| BIRCH TREE BENEFITS3 | 62 VICTORIA FARMS RD. FREMONT, NH 03044 | HARVARD PILGRAM HEALTH CARE | $230 | — | $230 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NEW ENGLAND 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 02199 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 2.74% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 021997652 | VISION SERVICE PLAN | $1K | — | $1K | 4.07% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | VISION SERVICE PLAN | $528 | — | $528 | 2.01% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HPHC JOINT VENTURE UHG | 609 | $4.6M |
| Vision | VISION SERVICE PLAN | 202 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 450 | $150K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 450 | $150K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 450 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.