| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | — | $63K | 12.16% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200. 899 CASSATT ROAD. BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 3.32% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $5K | $26K | 12.19% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 169 | $516K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.