| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBSME LLC3 | P.O. BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.96% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST., STE 902 BALTIMORE, MD 21202 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| ALLIED RESOURCE MANAGEMENT, LLC3 | 5280 CORPORATE DR., STE C250 FREDERICK, MD 217038508 | VISION SERVICE PLAN | $711 | — | $711 | 5.07% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, INC. | 5280 CORPORATE DT STE C250 FREDERICK, MD 217032858 | VISION SERVICE PLAN | $182 | — | $182 | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Plan Administrator Service code 14 | — | $114K |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 58 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 173 | $127K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 173 | $127K |
| Other | LEGAL RESOURCES | 95 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.