| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMAN COURT SUITE 101 FREDERICK, MD 21703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | — | $38K | 1.46% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 208171334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 0.71% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.25% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.75% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.25% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 6.75% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.25% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.75% |
| FOSTER SOLTOFF & LOVE LTD3 Filed as: FOSTER SOLTOFF & LOVE | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 208171134 | VISION SERVICES PLAN | $1K | — | $1K | 4.96% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.90% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $674 | $404 | $1K | 8.00% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF MARYLAND, INC | $24 | — | $24 | 1.42% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF MARYLAND, INC | $10 | — | $10 | 0.59% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $14 | — | $14 | 1.48% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $6 | — | $6 | 0.64% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $14 | — | $14 | 1.48% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $6 | — | $6 | 0.64% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $11 | — | $11 | 1.36% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $5 | — | $5 | 0.62% |
| TRIBRIDGE PARTNERS LLC3 | 5216 CHAIRMANS COURT SUITE 101 FREDERICK, MD 21703 | CIGNA DENTAL HEALTH OF TEXAS, INC | $7 | — | $7 | 1.30% |
| FOSTER SOLTOFF & LOVE LTD3 | 6550 ROCK SPRING DRIVE SUITE 190 BETHESDA, MD 20817 | CIGNA DENTAL HEALTH OF TEXAS, INC | $3 | — | $3 | 0.56% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 431 | $2.6M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 431 | $2.6M |
| Vision | VISION SERVICES PLAN | 153 | $26K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $90K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $66K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $61K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 431 | $2.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 261 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.