| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 3721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $610 | $10K | 12.27% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING ST LEESBURG, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $223 | $4K | 5.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.10% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT ST BALTIMORE, MD 21202 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.35% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $124 | $2K | 12.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $785 | $39 | $824 | 5.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $654 | $654 | 4.11% |
| TRIBRIDGE PARTNERS LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $272 | $2K | 15.75% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $932 | $93 | $1K | 6.60% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $776 | $776 | 5.00% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 23.05% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $778 | $364 | $1K | 7.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $718 | $0 | $718 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $108 | $176 | 19.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRIBRIDGE PARTNERS, LLC BROKER | Insurance agents and brokers Service code 22 | 1 EAST PRATT ST BALTIMORE, MD 21202 | $38K |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 134 | $48K |
| Vision | AETNA LIFE INSURANCE COMPANY | 134 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $16K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.