| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | GHMSI | $76K | $60K | $136K | 2.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | — | $28K | $28K | 0.60% |
| LIFETIME BENEFITS LLC3 | 843-E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | GHMSI | $14K | — | $14K | 0.31% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $16K | 4.05% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.05% |
| LIFETIME BENEFITS LLC3 Filed as: LIFETIME BENEFITS, LLC | 843 QUINCE ORCHARD BOULEVARD SUITE E GAITHERSBURG, MD 20878 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 0.10% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $16K | 6.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 5.02% |
| LIFETIME BENEFITS LLC3 | 843 E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | $6 | $18 | 0.01% |
| LIFETIME BENEFITS LLC3 | 843 QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $204 | $2K | 18.95% |
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 | 420 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 403 | $4.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $394K |
| Vision | GHMSI | 403 | $4.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $272K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $262K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $262K |
| Prescription drug | GHMSI | 403 | $4.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 425 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.