| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $116K | $118K | 4.81% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 19.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC,LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 8.86% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $689 | $574 | $1K | 1.91% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 19.38% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC,LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.66% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $232 | $194 | $426 | 0.95% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC,LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.87% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $273 | $227 | $500 | 1.91% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DRIVE SUITE 100 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 26.44% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC,LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $469 | $469 | 2.46% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $174 | $174 | 0.91% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 156 | $2.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $45K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.