| 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 & LIFE INSURANCE COMPANY | $114K | $10K | $124K | 4.35% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE, SUITE C250 FREDERICK, MD 21703 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $28K | — | $28K | 0.98% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 0.19% |
| HOWARTH III, FREDERICK W3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $33K | 12.00% |
| CATHLENE H FUNK3 | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $7K | $285 | $8K | 7.40% |
| DUDLEY C AIST JR3 | P O BOX 1768 WALDORF, MD 20604 | AFLAC | $2K | — | $2K | 1.95% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $624 | — | $624 | 0.60% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $498 | $57 | $555 | 0.54% |
| G CARLTON COX JR3 | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $533 | — | $533 | 0.51% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $531 | — | $531 | 0.51% |
| KATIE E EVANS3 | 156 CHURCH MEADOW COURT CHESTERTOWN, MD 21620 | AFLAC | $429 | — | $429 | 0.41% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $355 | — | $355 | 0.34% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $246 | — | $246 | 0.24% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $245 | — | $245 | 0.24% |
| ELIZABETH C WOOD3 | 427 ROSS GULCH RD TOWNSEND, MT 59644 | AFLAC | $154 | — | $154 | 0.15% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $93 | $57 | $150 | 0.14% |
| BONNIE S HEMBROCK3 | 3292 AMERICAN SADDLER DR PARK CITY, UT 84060 | AFLAC | $137 | — | $137 | 0.13% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $115 | — | $115 | 0.11% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $99 | — | $99 | 0.10% |
| KENNETH B COFER3 | 5950 SYMPHONY ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $98 | — | $98 | 0.09% |
| DANIEL V ADAMS3 | 1814 C STREET NE WASHINGTON, DC 20002 | AFLAC | $92 | — | $92 | 0.09% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $86 | — | $86 | 0.08% |
| JOSEPH M BRZECZEK3 | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $63 | $14 | $77 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 254 CHAPMAN RD STE 203 NEWARK, DE 19702 | AFLAC | $58 | $14 | $72 | 0.07% |
| JOHN J REITH3 | 7010 HOMELAND CT PRINCE FREDERICK, MD 20678 | AFLAC | $46 | — | $46 | 0.04% |
| RONALD F NEEDLES3 | 3272 PLATTMOOR DR MYRTLE BEACH, SC 29588 | AFLAC | $41 | — | $41 | 0.04% |
| TAMMY W SALLEE3 | 9375 CHESAPEAKE STREET SUITE 221 LA PLATA, MD 20646 | AFLAC | $41 | — | $41 | 0.04% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $40 | — | $40 | 0.04% |
| RONALD F NEEDLES3 Filed as: RONALD A NEEDLES | 117 LAUREL HILL PL MURRELLS INLET, SC 29576 | AFLAC | $39 | — | $39 | 0.04% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $25 | — | $25 | 0.02% |
| SCOTT M GOLDEN3 | 8709 BURDETTE RD BETHESDA, MD 20817 | AFLAC | $23 | — | $23 | 0.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $22 | — | $22 | 0.02% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $20 | — | $20 | 0.02% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $18 | — | $18 | 0.02% |
| EDWIN VEGA3 | 134 PINECONE AVE ODENTON, MD 21113 | AFLAC | $18 | — | $18 | 0.02% |
| DAVID SCHENKEL JR3 | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $17 | — | $17 | 0.02% |
| LISA J SEPESI3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $17 | — | $17 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $16 | — | $16 | 0.02% |
| RICHARD LEE CROUT3 | PO BOX 8041 MYRTLE BEACH, SC 29578 | AFLAC | $15 | — | $15 | 0.01% |
| MATTHEW D DIPASQUALE3 | 403 S EAST AVE BALTIMORE, MD 21224 | AFLAC | $14 | — | $14 | 0.01% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $13 | — | $13 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $13 | — | $13 | 0.01% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY RD NEW BERN, NC 28562 | AFLAC | $12 | — | $12 | 0.01% |
| DALE SHADDOCK3 | 19 CEDARVALE CT COCKEYSVILLE, MD 21030 | AFLAC | $12 | — | $12 | 0.01% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 20814 | AFLAC | $12 | — | $12 | 0.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $12 | — | $12 | 0.01% |
| ALAN ROY NIEDERHOFFER3 | 403 RIDGEWAY LN CANTON, GA 30114 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $10 | — | $10 | 0.01% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $9 | — | $9 | 0.01% |
| JAME M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $8 | — | $8 | 0.01% |
| DAWN JOHNSON3 Filed as: DAWN M. JOHNSON | P.O. BOX 982 CLARKSBURG, MD 20871 | AFLAC | $5 | — | $5 | 0.00% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $4 | — | $4 | 0.00% |
| EVERETT C BENNETT3 | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $4 | — | $4 | 0.00% |
| BRIAN E ADAMS3 | 4429 MACARTHUR BLVD NW UNIT B WASHINGTON, DC 20007 | AFLAC | $3 | — | $3 | 0.00% |
| CLAYTON H BENNETT3 | 2950 ASCOT LN ROSWELL, GA 30076 | AFLAC | $3 | — | $3 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.00% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $2 | — | $2 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLENE BELTON3 | 601 PENN. AVE NW N BLDG STE 708 WASHINGTON, DC 20004 | AFLAC | $1 | — | $1 | 0.00% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $1 | — | $1 | 0.00% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $837 | $5K | 10.87% |
| EBSME LLC3 Filed as: EBSME, LLC | PS BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $481 | $4K | 9.07% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET BALTIMORE, MD 21202 | EYEMED | $3K | — | $3K | 7.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GRP | 1 KELLY WAY SPARKS, MD 21152 | EYEMED | $0 | $1K | $1K | 2.50% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | EYEMED | $0 | $917 | $917 | 2.15% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 5216 CHAIRMANS CT SUITE 101 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $227 | — | $227 | 5.23% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOC 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $78 | — | $78 | 1.80% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE 250 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $218 | — | $218 | 5.31% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $74 | — | $74 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 NONE | Plan Administrator Service code 14 | — | $7K |
| AETNA BEHAVORIAL HEALTH, LLC. NONE | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $6K |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 730 | $2.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 730 | $2.9M |
| Vision | EYEMED | 778 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 344 | $272K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 730 | $2.9M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 730 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.