| 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 | $0 | $66K | $66K | 5.51% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | HAWAII MEDICAL SERVICE ASSOCIATION | $32K | $0 | $32K | 3.50% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 2.92% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 190873509 | THE METROPOLITAN LIFE INSURANCE COMPANY | $27K | $168 | $27K | 6.99% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.83% |
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 | 454 | 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) | 454 | 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 | 714 | $3.0M |
| Dental | THE METROPOLITAN LIFE INSURANCE COMPANY | 714 | $386K |
| Vision | VISION SERVICE PLAN | 351 | $28K |
| Life insurance | THE METROPOLITAN LIFE INSURANCE COMPANY | 714 | $386K |
| Short-term disability | THE METROPOLITAN LIFE INSURANCE COMPANY | 714 | $386K |
| Long-term disability | THE METROPOLITAN LIFE INSURANCE COMPANY | 714 | $386K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 122 | $924K |
| Other | THE METROPOLITAN LIFE INSURANCE COMPANY | 714 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.