| 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 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $79K | $2K | $81K | 4.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $36K | $23 | $36K | 1.84% |
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP, LLC | 11350 MCCORMICK ROAD SUITE 200 EPIV HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.31% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $809 | $9K | 6.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS COURT OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 4.34% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $202 | $2K | 1.74% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $1K | $1K | 5.82% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $923 | $923 | 4.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES/KMS TPA | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $462 | $462 | 2.50% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 374 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 195 | $131K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 286 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $170K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $170K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.