| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $105K | $105K | 3.35% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | HAWAII MEDICAL SERVICE ASSOCIATION | $36K | — | $36K | 3.42% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | — | $23K | 3.48% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 190873509 | THE METROPOLITAN LIFE INSURANCE COMPANY | $46K | $3K | $48K | 9.62% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 851 | $5.4M |
| Dental | THE METROPOLITAN LIFE INSURANCE COMPANY | 851 | $504K |
| Vision | VISION SERVICE PLAN | 398 | $35K |
| Life insurance | THE METROPOLITAN LIFE INSURANCE COMPANY | 851 | $504K |
| Short-term disability | THE METROPOLITAN LIFE INSURANCE COMPANY | 851 | $504K |
| Long-term disability | THE METROPOLITAN LIFE INSURANCE COMPANY | 851 | $504K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 269 | $1.1M |
| Other | THE METROPOLITAN LIFE INSURANCE COMPANY | 851 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.