| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS,LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 6.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.98% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.03% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 7.97% |
| TRIBRIDGE PARTNERS LLC3 | 1 E PRATT ST STE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $137 | $137 | 0.23% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 7.97% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $114 | $114 | 0.24% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.92% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.97% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $729 | — | $729 | 1.82% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $651 | — | $651 | 1.62% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 7625 WISCONSIN AVE. 2ND FLOOR BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $557 | — | $557 | 1.39% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: EBSME, LLC (USE #20269867) | PO 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $277 | — | $277 | 0.69% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: EBSME, LLC (USE #20269867) | AHT INSURANCE LEESBRURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $92 | — | $92 | 0.23% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN AHT INSURANCE LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $91 | — | $91 | 0.23% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | $4K | — | $4K | 12.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | $1K | $1K | $3K | 7.99% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | — | $975 | $975 | 2.75% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURNANCE COMPANY | — | $83 | $83 | 0.23% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.02% |
| TRIBRIDGE PARTNERS LLC3 | 1 EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $697 | $697 | 2.30% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $888 | — | $888 | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $474 | $474 | 4.00% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $296 | — | $296 | 2.50% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $175 | — | $175 | 7.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $93 | $93 | 3.99% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $58 | — | $58 | 2.49% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $131 | — | $131 | 7.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $70 | $70 | 4.00% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $44 | — | $44 | 2.51% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $52 | — | $52 | 7.43% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $28 | $28 | 4.00% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $17 | — | $17 | 2.43% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF OHIO, INC. | $44 | — | $44 | 7.55% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $23 | $23 | 3.95% |
| EBSME LLC3 | PO 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF OHIO, INC. | $15 | — | $15 | 2.57% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $31 | — | $31 | 7.60% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $16 | $16 | 3.92% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $10 | — | $10 | 2.45% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $225K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 455 | $40K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURNANCE COMPANY | 163 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $58K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURNANCE COMPANY | 163 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.