| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | CIGNA | $49K | $3K | $51K | 8.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | CIGNA | $0 | $25K | $25K | 4.03% |
| TRIBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 9.38% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.00% |
| TRBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | STARMOUNT LIFE INSURANCE COMPANY | $969 | $242 | $1K | 9.37% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 20 SOUTH KING ST LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $969 | $0 | $969 | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $646 | $646 | 5.00% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 240 | $617K |
| Dental | CIGNA | 240 | $617K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 100 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $76K |
| Prescription drug | CIGNA | 240 | $617K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.