| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 6.65% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMA DBA SATL | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.17% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MA 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $445 | $445 | 0.83% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMA DBA SALT | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.18% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $333 | $333 | 0.82% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMA DBA SALT | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.17% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $265 | $265 | 0.83% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 15.03% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMA DBA SALT | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $59 | $59 | 4.16% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12 | $12 | 0.85% |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $54K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $556K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.