| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | CAREFIRST BLUECHOICE | $48K | $16K | $64K | 5.35% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.44% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.96% |
| SCHOENFELD INSURANCE ASSOCIATES INC3 Filed as: SCHOENFELD INSURANCE ASSOC INC | 6225 SMITH AVENUE SUITE B200 BALTIMORE, MD 21209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -2.31% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $280 | $4K | 14.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GRP | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $822 | — | $822 | 3.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA DENTAL PLANS, INC. | $666 | — | $666 | 5.69% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, INC. | 5280 CORPORATE DT SUITE C250 FREDERICK, MD 21703 | VISION SERVICE PLAN | $726 | — | $726 | 6.30% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $476 | — | $476 | 4.13% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 140 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 119 | $62K |
| Vision | VISION SERVICE PLAN | 84 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $88K |
| Prescription drug | CAREFIRST BLUECHOICE | 140 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.