| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DR STE C250 FREDERICK, MD 21703 | UNITED HEATLHCARE INSURANCE COMPANY | $46K | $0 | $46K | 2.74% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEATLHCARE INSURANCE COMPANY | $21K | $725 | $22K | 1.30% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.52% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.42% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $372 | $372 | 0.92% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.59% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.43% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $287 | $287 | 0.93% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEATLHCARE INSURANCE COMPANY | 200 | $1.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $71K |
| Prescription drug | UNITED HEATLHCARE INSURANCE COMPANY | 200 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.