| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $58K | — | $58K | 4.38% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | UNITED LIFE INSURANCE CO | $8K | $4K | $12K | 14.61% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $578 | $759 | $1K | 1.78% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 575 E SWEDESFORD RD, SUITE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $278 | $278 | 0.37% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | NATIONAL VISION ADMINISTRATORS | $1K | — | $1K | 10.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 248 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $75K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $90K |
| Life insurance(2 contracts, 2 carriers) | UNITED LIFE INSURANCE CO | 268 | $158K |
| Short-term disability(2 contracts, 2 carriers) | UNITED LIFE INSURANCE CO | 268 | $158K |
| Long-term disability(2 contracts, 2 carriers) | UNITED LIFE INSURANCE CO | 268 | $158K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 248 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.