| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $58K | $64K | 5.54% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.14% |
| EBSME LLC3 Filed as: EBSME, LLC | 4704 DEINVIRNO WAY MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.38% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.66% |
| EBSME LLC3 Filed as: EBSME, LLC | 4704 DEINVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $617 | $463 | $1K | 3.47% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $331 | $331 | 1.06% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 19.64% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | ONEMD KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.67% |
| EBSME LLC3 Filed as: EBSME, LLC | 4704 DEINVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | $429 | $1K | 3.57% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY SUITE 230 MARBLEHEAD, MA 01945 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $289 | $289 | 1.03% |
| FRANKLIN MORRIS ASSOCIATES INC3 Filed as: FRANKLIN MORRIS ASSOCIATES, INC. | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | DOMINION NATIONAL | $517 | — | $517 | 7.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $1.1M |
| Vision | DOMINION NATIONAL | 89 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $28K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.