| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE STE 100 COLUMBIA, MD 21046 | CAREFIRST BLUECHOICE, INC. | $4K | $32K | $36K | 5.21% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $13K | $13K | 1.84% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR #100 COLUMBIA, MD 21046 | SYMETRA LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | PO BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $10K | $686 | $11K | 10.67% |
| NATIONAL CAPITAL INSURANCE AGENCY3 Filed as: NATIONAL CAPITAL INS AGENCY LLC | 840 FIRST STREET NE WASHINGTON, DC 20065 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.32% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.79% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $958 | $906 | $2K | 10.66% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $874 | $0 | $874 | 5.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 274 | $698K |
| Dental | CAREFIRST BLUECHOICE, INC. | 274 | $698K |
| Vision | CAREFIRST BLUECHOICE, INC. | 274 | $698K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $98K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $98K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $98K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 274 | $698K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 25 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.