| 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 | $69K | — | $69K | 11.18% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$1K | -$1K | -0.17% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS,LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 6.47% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 SOUTH KING ST LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.62% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.82% |
| 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 | $2K | $2K | $4K | 7.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $948 | $948 | 1.70% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 15.81% |
| 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 | $2K | $1K | $3K | 7.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $786 | $786 | 1.69% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.86% |
| 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 | $1K | $1K | $2K | 7.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $577 | $577 | 1.72% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | ONE EAST PRATT STREET SUITE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.84% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $971 | — | $971 | 2.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $578 | — | $578 | 1.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | DBA SALT MARGIN MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $406 | — | $406 | 1.21% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: EBSME, LLC (USE #20269867) | AHT INSURANCE LEESBRURG, VA 20175 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $92 | — | $92 | 0.27% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.26% |
| 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 | $1K | $907 | $2K | 6.75% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $564 | $564 | 1.71% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $643 | — | $643 | 6.00% |
| 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 | $429 | — | $429 | 4.00% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $720 | — | $720 | 8.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 S KING ST LEESBURG, VA 20175 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $180 | — | $180 | 2.00% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $883 | — | $883 | 10.20% |
| 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 | $589 | — | $589 | 6.80% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $111 | — | $111 | 8.02% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 S KING ST LEESBURG, VA 20175 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $28 | — | $28 | 2.02% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $95 | — | $95 | 8.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 S KING ST LEESBURG, VA 20175 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $24 | — | $24 | 2.02% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $47 | — | $47 | 7.93% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 S KING ST LEESBURG, VA 20175 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $12 | — | $12 | 2.02% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | CIGNA DENTAL HEALTH OF OHIO, INC. | $12 | — | $12 | 8.11% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 20 SOUTH KING ST LEESBURG, VA 20175 | CIGNA DENTAL HEALTH OF OHIO, INC. | $3 | — | $3 | 2.03% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $620K |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $204K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 386 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $56K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $620K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.