| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 22.77% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 E SWEDESFORD ROAD SUITE 130 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $968 | — | $968 | 7.26% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $99K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 233 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $52K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.