| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $0 | $23K | 14.95% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $5K | $12K | 7.97% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | GUARDIAN LIFE INSURANCE COMPANY | $9K | $2K | $10K | 8.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | GUARDIAN LIFE INSURANCE COMPANY | $434 | $0 | $434 | 0.38% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT ST STE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $319 | $0 | $319 | 1.26% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MO 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.17% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | P.O. BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 103 | $114K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $154K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $154K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $154K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 110 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.