| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DR SUITE C250 FREDERICK, MD 21703 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $4K | $39K | 4.86% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DR STE C250 FREDERICK, MD 21703 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.40% |
| TRIBRIDGE PARTNERS LLC3 | 6550 ROCK SPRINGS DR STE 190 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $461 | — | $461 | 10.49% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PROTT ST STE 902 BALTIMORE, MD 21202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $420 | — | $420 | 13.01% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97 | — | $97 | 3.00% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PROTT ST STE 902 BALTIMORE, MD 21202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $399 | — | $399 | 13.01% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PROTT ST STE 902 BALTIMORE, MD 21202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | — | $331 | 13.00% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 2.98% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $799K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $68K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $799K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $7K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $8K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $7K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.