| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 212021199 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $54K | $54K | 3.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.00% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 212021199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 20.90% |
| TRIBRIDGE PARTNERS LLC5 | 1 E PRATT ST STE 902 BALTIMORE, MD 212021199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $46 | $46 | 0.11% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 212021199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.21% |
| TRIBRIDGE PARTNERS LLC5 | 1 E PRATT ST STE 902 BALTIMORE, MD 212021199 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PROSENTIAL BENEFITS LLC3 | 40 TIOGA WAY STE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.17% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 153 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $43K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.