| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.69% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $793 | $10K | 8.95% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $205 | $5K | 15.36% |
| GAVIN TOMA3 | 220 S KING ST STE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $565 | $0 | $565 | 2.52% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $121 | $3K | 14.74% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $613 | $0 | $613 | 14.58% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 1000 CONTINENTAL DR KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $252 | $18 | $270 | 10.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $142K |
| BIRCH BENEFITS BROKER | Insurance agents and brokers Service code 22 | 480 E SWEDESFORD RD, STE 130 WAYNE, PA 19087 | $106K |
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $85K |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 5 | $22K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 214 | $173K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 214 | $173K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $116K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $116K |
| Prescription drug | HAWAII MEDICAL ASSURANCE ASSOCIATION | 5 | $22K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 189 | $747K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
No prospect flags tripped on this filing.