| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS,LLC | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 6.15% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 4.33% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 2.05% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 14.39% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 8.02% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 14.38% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.02% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | $5K | $645 | $5K | 13.71% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | $2K | $1K | $3K | 7.73% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.43% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $899 | — | $899 | 2.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $899 | — | $899 | 2.76% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $711 | $4K | 14.68% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.14% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $976 | — | $976 | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $520 | $520 | 4.00% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $325 | — | $325 | 2.50% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $199 | — | $199 | 7.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. SUITE 902 OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $106 | $106 | 3.99% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $66 | — | $66 | 2.48% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $108 | — | $108 | 7.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $58 | $58 | 4.03% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $36 | — | $36 | 2.50% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $50 | — | $50 | 7.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $27 | $27 | 4.07% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $17 | — | $17 | 2.56% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $50 | — | $50 | 7.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $27 | $27 | 4.07% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $17 | — | $17 | 2.56% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF OHIO, INC. | $50 | — | $50 | 7.53% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP INC | 423 CRYSTAL DOWNS CT OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $27 | $27 | 4.07% |
| EBSME LLC3 | PO 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF OHIO, INC. | $17 | — | $17 | 2.56% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST SUITE 902 BALTIMORE, MD 21202 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $17 | — | $17 | 7.69% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP INC | 423 CRYSTAL DOWNS CT. OWINGS MILLS, MD 21117 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $9 | $9 | 4.07% |
| EBSME LLC3 | PO 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $6 | — | $6 | 2.71% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $175K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 467 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURNANCE COMPANY | 180 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $61K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURNANCE COMPANY | 180 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.