| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $6K | $56K | $62K | 4.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $32K | $32K | 2.13% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $2K | — | $2K | 0.11% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 19.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.54% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.54% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $919 | $92 | $1K | 2.20% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $941 | — | $941 | 7.00% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $807 | — | $807 | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES/KMS ??? TPA | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $403 | — | $403 | 3.00% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $234 | $1K | 21.36% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $328 | $328 | 5.00% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 5.00% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144 | $14 | $158 | 2.41% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 164 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 164 | $1.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 174 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $46K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
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.