| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $4K | $21K | 22.46% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | D/B/A SALT MARGIN 20 S. KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 4.84% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 6.97% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 22.53% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | DBA SALT MARGIN 20 S. KING ST. LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $830 | $2K | $3K | 4.84% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.35% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | DBA SALT MARGIN 20 S. KING ST. LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $588 | $2K | $2K | 4.55% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET, SUITE 902 BALTMORE, MD 21202 | EYEMED | $1K | — | $1K | 6.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | D/B/A SALT MARGIN P. O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED | $836 | — | $836 | 3.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | D/B/A SALT MARGIN P. O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED | $177 | — | $177 | 0.77% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR. SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $405 | $3K | 18.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | D/B/A SALT MARGIN 20 S. KING ST. LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $695 | $608 | $1K | 7.50% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR. SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $616 | $2K | 11.70% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | D/B/A SALT MARGIN 20 S. KING ST. LESSBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $333 | $632 | $965 | 5.79% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $485 | $2K | 19.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | D/B/A SALT MARGIN 20 S. KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $145 | $368 | $513 | 4.53% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $150 | $197 | $347 | 34.09% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | DBA SALT MARGIN 20 S. KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13 | $42 | $55 | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO EIN 42-1144827 NONE | Contract Administrator Service code 13 | — | $81K |
| TRIBRIDGE PARTNERS, LLC EIN 46-1325247 NONE | Contract Administrator Service code 13 | — | $44K |
| CIGNA GREAT WEST HEALTH EIN 84-0467907 NONE | Contract Administrator Service code 13 | — | $36K |
| OPTUM HEALTH MTP-UHIC EIN 52-1996029 NONE | Contract Administrator Service code 13 | — | $17K |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 300 | $94K |
| Vision | EYEMED | 271 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $94K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $47K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 179 | $314K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.