| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $3K | $65K | $67K | 5.83% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 20.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.05% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $982 | — | $982 | 8.18% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 195 | $1.2M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 195 | $1.2M |
| Vision | VISION SERVICE PLAN | 94 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $109K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $109K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 195 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.