| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | SUN LIFE ASSURANCE COMPANY OF CANADA | $189K | — | $189K | 7.00% |
| ARMFIELD HARRISON & THOMAS Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 1.00% |
| TRIBRIDGE PARTNERS LLC Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | $22K | $69K | 23.57% |
| MICHAEL C WALKER Filed as: MICHAEL J. ZIMMERMAN | 11225 COLLEGE BLVD. SUITE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.03% |
| ROBERT JOSEPH PFAFF | 133 FIRESIDE CIRCLE BALTIMORE, MD 21212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| WEALTH PRESERVATION INC Filed as: WEALTH PRESERVATION, INC. | 20 E. TIMONIUM ROAD SUITE 203 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| FRANKLIN FINANCIAL GROUP LLC Filed as: FRANKLIN, HASWELL, MCCULLOUGH | 11350 MCCORMICK ROAD EPIV SUITE 200 HUNT VALLEY, MD 21031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 1,106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,106 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,106 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.