| 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 | CAREFIRST BLUECHOICE, INC. | — | $334K | $334K | 7.66% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $9K | $54K | 12.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | GUARDIAN | $14K | $8K | $22K | 8.36% |
| 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 | $10K | $782 | $11K | 12.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, L | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $157 | $8K | 9.19% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $649 | $7K | 9.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LL | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $130 | $6K | 8.19% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 14.40% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, L | AHT INSURANCE LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| EBSME LLC3 Filed as: EBSME, LLC | AHT INSURANCE LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.19% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | SALT MARGIN MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $928 | — | $928 | 2.05% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $1K | $126 | $1K | 8.78% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $1K | — | $1K | 8.02% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $606 | $73 | $679 | 7.48% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $606 | — | $606 | 6.68% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNUM INSURANCE COMPANY | $363 | $42 | $405 | 6.27% |
| WORKFORCE CONCEPTS LLC3 | 9447 BELL HALL DR BALTIMORE, MD 21236 | UNUM INSURANCE COMPANY | $363 | — | $363 | 5.62% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $189 | $80 | $269 | 12.27% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $45 | — | $45 | 5.78% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22 | — | $22 | 2.82% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | SALT MARGIN MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20 | — | $20 | 2.57% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | AHT INSURANCE LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 2.31% |
| EBSME LLC3 Filed as: EBSME, LLC | AHT INSURANCE LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Plan Administrator Service code 14 | — | $15K |
| FIRST CARE, INC. EIN 52-1883918 NONE | Plan Administrator Service code 14 | 115 PERIMETER CENTER PLACE ATLANTA, GA 30346 | $8K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Plan Administrator Service code 14 | — | $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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 1,074 | $4.4M |
| Dental | GUARDIAN | 350 | $268K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 789 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $450K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 1,074 | $4.4M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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.
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.