| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $190K | — | $190K | 4.84% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH & LIFE INSURANCE COMPANY | -$12 | — | -$12 | -0.00% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $8K | $47K | 12.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | GUARDIAN | $14K | — | $14K | 5.25% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, I | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | GUARDIAN | $5K | — | $5K | 1.75% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $610 | $8K | 12.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, L | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $11 | $6K | 9.02% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $528 | $6K | 9.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LL | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $9 | $5K | 8.02% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.16% |
| TRIBRIDGE PARTNERS LLC3 | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $892 | — | $892 | 1.95% |
| TRIBRIDGE PARTNERS LLC3 | 765 WISCONSIN AVE 2ND FLOOR BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $841 | — | $841 | 1.84% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $870 | $145 | $1K | 8.76% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $870 | — | $870 | 7.51% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $2K | $83 | $2K | 28.85% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $2K | — | $2K | 27.54% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $1K | $64 | $1K | 26.37% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $1K | — | $1K | 25.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Plan Administrator Service code 14 | — | $18K |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 737 | $3.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 737 | $4.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 857 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $121K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $391K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 737 | $3.9M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.