| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 1 COLUMBIA, MD 21046 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $260 | $6K | 9.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.17% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 21.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $132 | $51 | $183 | 0.97% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 23.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $141 | $54 | $195 | 1.04% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.71% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84 | $45 | $129 | 0.77% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.66% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81 | $44 | $125 | 0.77% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $844 | $2K | 24.83% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $258 | $258 | 3.00% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $540 | $829 | $1K | 17.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $232 | $232 | 3.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| CAREFIRST ADMINISTRATORS ADMIN | Claims processing Service code 12 | 1501 S. CLINTON ST 7TH FLOOR BALTIMORE, MD 21224 | $38K |
| TRIBRIDGE PARTNERS, LLC EIN 46-1325247 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $68K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $19K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 66 | $544K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.