| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.69% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $822 | $7K | 2.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.60% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $207 | $3K | 4.39% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.49% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.99% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 7625 WISCONSIN AVENUE 2ND FLOOR BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| EMSE, LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $473 | $958 | $1K | 3.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.08% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | — | $425 | 11.63% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 3.39% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $50 | — | $50 | 12.20% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 7625 WISCONSIN AVENUE 2ND FLOOR BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17 | — | $17 | 4.15% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $17 | $17 | 4.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - BETHESDA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 10.97% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 4.08% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 427 | $48K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $326K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $265K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.