| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT. STE 301 WAYNE, PA 19087 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.40% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT STE 301 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.06% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT STE 301 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.39% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT STE 301 WAYNE, PA 19087 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 16.12% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA CT STE 301 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165 | $0 | $165 | 9.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIRCH BENEFITS BROKER | Insurance agents and brokers Service code 22 | 480 E SWEDESFORD RD, STE 130 WAYNE, PA 19087 | $92K |
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $74K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| CONNCECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $10K |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 178 | $139K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 178 | $139K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $100K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $100K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 157 | $688K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.