| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 6.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 16.47% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.53% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 16.43% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.48% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $865 | — | $865 | 3.52% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $797 | $797 | 5.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $667 | $667 | 5.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $463 | $463 | 5.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | — | $70 | 14.96% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23 | $23 | 4.91% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $57 | — | $57 | 16.52% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 3.48% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 105 | $34K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 72 | $47K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 105 | $62K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $662K |
| Other(5 contracts, 3 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 105 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.