| 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 | RELIANCE MATRIX | $315K | $15K | $330K | 11.46% |
| THE BALDWIN GROUP WEST LLC Filed as: THE BALDWIN GROUP-MID ATLANTIC | 20 SOUTH KING STREET LEESBURG, VA 20175 | RELIANCE MATRIX | $62K | — | $62K | 2.16% |
| MICHAEL C WALKER Filed as: MICHAEL J. ZIMMERMAN | 8711 PENROSE LANE SUITE 200 LENEXA, KS 66219 | RELIANCE MATRIX | $4K | $46K | $50K | 1.72% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP | P.O. BOX 120 MOUNT AIRY, MD 21771 | RELIANCE MATRIX | $8K | — | $8K | 0.29% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: THE L WARNER COMPANY INC. | 9690 DEERCO ROAD SUITE 650 TIMONIUM, MD 21093 | RELIANCE MATRIX | — | $37 | $37 | 0.00% |
| ROBERT JOSEPH PFAFF | 133 FIRESIDE CIRCLE BALTIMORE, MD 21212 | RELIANCE MATRIX | $17 | — | $17 | 0.00% |
| WEALTH PRESERVATION INC Filed as: WEALTH PRESERVATION, INC. | 9515 DEERECO ROAD SUITE 304 TIMONIUM, MD 21093 | RELIANCE MATRIX | $17 | — | $17 | 0.00% |
| FRANKLIN FINANCIAL GROUP LLC Filed as: FRANKLIN, HASWELL MCCULLOUGH | 11350 MCCORMICK ROAD EPIV SUITE 200 HUNT VALLEY, MD 21031 | RELIANCE MATRIX | $8 | — | $8 | 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 | 1,123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | RELIANCE MATRIX | 1,123 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,123 | — |
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.
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.