| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $10K | $15K | 14.46% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 1.81% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 18.40% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 5.09% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.18% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.74% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 22.31% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $820 | $2K | $3K | 5.05% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.78% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 14.72% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $617 | $2K | $2K | 4.79% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.40% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.80% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET, SUITE 902 BALTIMORE, MD 21202 | EYEMED | $2K | — | $2K | 9.39% |
| EBSME LLC5 Filed as: EBSME, LLC | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED | — | $1K | $1K | 4.95% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED | — | $700 | $700 | 2.97% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 501 FAIRMOUNT AVENUE, STE 400 TOWSON, MD 21286 | EYEMED | $185 | — | $185 | 0.78% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 7625 WISCONSIN AVE., 2ND FLOOR BETHESDA, MD 20814 | EYEMED | $162 | — | $162 | 0.69% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | AHT INSURANCE LEESBURG, VA 20175 | EYEMED | $109 | — | $109 | 0.46% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $559 | $2K | 19.13% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $162 | $444 | $606 | 4.79% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $486 | $486 | 3.84% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $639 | — | $639 | 14.73% |
| EBSME LLC3 Filed as: EBSME, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56 | $150 | $206 | 4.75% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $169 | $169 | 3.89% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $163 | $163 | 3.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 04-3401285 NONE | Contract Administrator Service code 13 | — | $314K |
| SISCO EIN 42-1144827 NONE | Contract Administrator Service code 13 | — | $80K |
| TRIBRIDGE PARTNERS, LLC EIN 46-1325247 NONE | Contract Administrator Service code 13 | — | $48K |
| CIGNA GREAT WEST HEALTH EIN 84-0467907 NONE | Contract Administrator Service code 13 | — | $33K |
| OPTUMHEALTH MTP - UHIC EIN 52-1996029 NONE | Contract Administrator Service code 13 | — | $17K |
| TELADOC HEALTH EIN 04-3705970 NONE | Contract Administrator Service code 13 | — | $2K |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 355 | $105K |
| Vision | EYEMED | 316 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $75K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $53K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $314K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.