| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | CIGNA | $49K | $3K | $52K | 7.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | CIGNA | $0 | $25K | $25K | 3.39% |
| TRIBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 8.67% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $211 | $11K | 7.64% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 5.00% |
| TRBRIDGE PARTNERS LLC3 | STE 100 6721 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | STARMOUNT LIFE INSURANCE COMPANY | $926 | $118 | $1K | 8.46% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 20 SOUTH KING ST LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $925 | $0 | $925 | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $617 | $617 | 5.00% |
| TRBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | $12 | $92 | 8.58% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | $2 | $82 | 7.65% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $54 | $54 | 5.04% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 234 | $743K |
| Dental | CIGNA | 234 | $743K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 105 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $150K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $150K |
| Prescription drug | CIGNA | 234 | $743K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.