| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 | 24 LOUELLA CT #301 WAYNE, PA 190873562 | UNITEDHEALTHCARE INSURANCE COMPANY | $110K | — | $110K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - | NEW ENGLAND 101 HUNTINGTON AVE, SUITE 401 BOSTON, MA 021997652 | UNITEDHEALTHCARE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA SUITE 301 WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $3K | $14K | 12.56% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA CT SUITE 301 WAYNE, PA 19087 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $1K | $623 | $2K | 9.09% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | VISION SERVICE PLAN | $1K | — | $1K | 6.21% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $2.6M |
| Vision | VISION SERVICE PLAN | 162 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $108K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 75 | $18K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $108K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 161 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.