| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $175K | $404 | $175K | 5.22% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 0.16% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $8K | $45K | 12.00% |
| CATHLENE H FUNK3 | 12 COLONIAL OAKS COURT PHOENIX, MD 21131 | AFLAC | $11K | $288 | $12K | 10.63% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $1K | $59 | $1K | 1.21% |
| DUDLEY C AIST JR3 | P O BOX 1768 WALDORF, MD 20604 | AFLAC | $1K | — | $1K | 1.10% |
| G CARLTON COX JR3 | 6913 CALLE DE BANDOLEDO NAVARRE, FL 32566 | AFLAC | $509 | — | $509 | 0.46% |
| THOMAS ASSOCIATES LLC3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $493 | — | $493 | 0.45% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AFLAC | $407 | — | $407 | 0.37% |
| DREW SKIBITSKY3 | 1344 ASHTON RD SUITE 200 HANOVER, MD 21076 | AFLAC | $284 | $58 | $342 | 0.31% |
| KATIE E EVANS3 | 156 CHURCH MEADOW CT CHESTERTOWN, MD 21620 | AFLAC | $273 | — | $273 | 0.25% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $232 | — | $232 | 0.21% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $228 | — | $228 | 0.21% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | AFLAC | $154 | — | $154 | 0.14% |
| BONNIE S HEMBROCK3 | 3292 AMERICAN SADDLER DR PARK CITY, UT 84060 | AFLAC | $137 | — | $137 | 0.12% |
| ELIZABETH C WOOD3 | 27 TRAVIC TRL TOWNSEND, MT 59644 | AFLAC | $99 | — | $99 | 0.09% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $93 | — | $93 | 0.08% |
| DALE SHADDOCK3 | 8927 MAYFLOWER RD ROSEDALE, MD 21237 | AFLAC | $82 | — | $82 | 0.07% |
| KEVIN V THOMAS3 | 2801 SCENIC MEADOW ST WALDORF, MD 20603 | AFLAC | $74 | — | $74 | 0.07% |
| RONALD F NEEDLES3 | 117 LAUREL HILL PL MURRELLS INLET, SC 29576 | AFLAC | $74 | — | $74 | 0.07% |
| DANIEL V ADAMS3 | 79 POTOMAC AVE SE APT 937 WASHINGTON, DC 20003 | AFLAC | $67 | — | $67 | 0.06% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $66 | — | $66 | 0.06% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $54 | — | $54 | 0.05% |
| ALAN ROY NIEDERHOFFER3 | 403 RIDGEWAY LN CANTON, GA 30114 | AFLAC | $48 | — | $48 | 0.04% |
| TAMMY W SALLEE3 | 4975 PRATHER PL LA PLATA, MD 20646 | AFLAC | $41 | — | $41 | 0.04% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE RD STE 203 DOVER, DE 19904 | AFLAC | $38 | — | $38 | 0.03% |
| MATTHEW D DIPASQUALE3 | 603 WESTBURY RD FALLSTON, MD 21047 | AFLAC | $33 | — | $33 | 0.03% |
| JOHN J REITH3 | 7010 HOMELAND CT PRINCE FREDERICK, MD 20768 | AFLAC | $32 | — | $32 | 0.03% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $30 | — | $30 | 0.03% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $26 | — | $26 | 0.02% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD RD SUITE 200 GAITHERSBURG, MD 20878 | AFLAC | $23 | — | $23 | 0.02% |
| DAWN JOHNSON3 Filed as: DAWN M JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $21 | — | $21 | 0.02% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $21 | — | $21 | 0.02% |
| DREW SKIBITSKY3 Filed as: DREW MADDOCK | 1344 ASHTON ROAD HANOVER, MD 21076 | AFLAC | $14 | $4 | $18 | 0.02% |
| DREW SKIBITSKY3 | 1000 FELL ST APT 627 BALTIMORE, MD 21231 | AFLAC | $16 | — | $16 | 0.01% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $15 | — | $15 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVE TOWSON, MD 21204 | AFLAC | $15 | — | $15 | 0.01% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $15 | — | $15 | 0.01% |
| RICHARD LEE CROUT3 | PO BOX 8041 MYRTLE BEACH, SC 29578 | AFLAC | $15 | — | $15 | 0.01% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HARVE DE GRACE, MD 21078 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN E ADAMS3 | 4429 MACARTHUR BLVD NW APT B WASHINGTON, DC 20007 | AFLAC | $12 | — | $12 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.01% |
| JASON ALLAN BARE3 | 203 MARKET STREET SUITE 210 HARVE DE GRACE, MD 21078 | AFLAC | $11 | — | $11 | 0.01% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $11 | — | $11 | 0.01% |
| CLAYTON H BENNETT3 | 2950 ASCOT LN ROSEWELL, GA 30076 | AFLAC | $11 | — | $11 | 0.01% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DR STE 105 LAUREL, MD 20707 | AFLAC | $8 | $2 | $10 | 0.01% |
| JASON D ELLIS3 | 203 MARKET ST SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | — | $9 | 0.01% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $8 | — | $8 | 0.01% |
| HILARY RADOLEC3 | 165 CROSSBOW LN APT 713 GAITHERSBURG, MD 20878 | AFLAC | $7 | — | $7 | 0.01% |
| EVERETT C BENNETT3 | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLENE BELTON3 | 601 PENNSYLVANIA AVE NW NORTH BUILDING STE 708 WASHINGTON, DC 20004 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $0 | — | $0 | 0.00% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $565 | $6K | 9.94% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.00% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $562 | $8K | 12.94% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | EYEMED VISION CARE | $2K | — | $2K | 5.01% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE | $2K | — | $2K | 4.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $214 | — | $214 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Plan Administrator Service code 14 | — | $17K |
| FLORES & ASSOCIATES EIN 56-1542307 NONE | Plan Administrator Service code 14 | — | $7K |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 749 | $3.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 749 | $3.4M |
| Vision | EYEMED VISION CARE | 795 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $377K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 749 | $3.4M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 749 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.