| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $4K | $12K | 11.21% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 18.40% |
| TRIBRIDGE PARTNERS LLC5 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.60% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 4.60% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.93% |
| EBSME LLC5 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $302 | $302 | 0.40% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 14.72% |
| TRIBRIDGE PARTNERS LLC5 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.60% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $628 | $1K | $2K | 4.28% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.89% |
| EBSME LLC5 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $196 | $196 | 0.40% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 16.90% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | $1K | $2K | 4.60% |
| TRIBRIDGE PARTNERS LLC5 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.60% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.97% |
| EBSME LLC5 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $191 | $191 | 0.40% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET, SUITE 902 BALTIMORE, MD 21202 | EYEMED | $2K | — | $2K | 9.19% |
| EBSME LLC5 Filed as: EBSME, LLC | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED | — | $1K | $1K | 5.75% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED | — | $890 | $890 | 3.45% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.72% |
| TRIBRIDGE PARTNERS LLC5 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $617 | $617 | 4.60% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $172 | $402 | $574 | 4.28% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $388 | $388 | 2.89% |
| EBSME LLC5 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $54 | $54 | 0.40% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $608 | — | $608 | 14.72% |
| TRIBRIDGE PARTNERS LLC5 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $188 | $188 | 4.55% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $53 | $124 | $177 | 4.29% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $122 | $122 | 2.95% |
| EBSME LLC5 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16 | $16 | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ORIEN RISK ANALYSTS, INC. EIN 11-3563729 NONE | Contract Administrator Service code 13 | — | $216K |
| SISCO EIN 42-1144827 NONE | Contract Administrator Service code 13 | — | $90K |
| CIGNA GREAT WEST HEALTH EIN 84-0467907 NONE | Contract Administrator Service code 13 | — | $36K |
| UNIMERICA INSURANCE COMPANY EIN 52-1996029 NONE | Contract Administrator Service code 13 | — | $18K |
| TRIBRIDGE PARTNERS, LLC EIN 46-1325247 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 340 | $104K |
| Vision | EYEMED | 306 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $75K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $53K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 213 | $203K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.