| 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 | CAREFIRST BLUECHOICE, INC. | $5K | $51K | $56K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. BETHESDA, MD 20817 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 11.96% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 23.09% |
| AMBER L HAYDE4 | 261 MAGOTHY BRIDGE RD PASADENA, MD 21122 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $214 | $0 | $214 | 3.26% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 319 | $1.8M |
| Dental | CAREFIRST BLUECHOICE, INC. | 319 | $1.8M |
| Vision | CAREFIRST BLUECHOICE, INC. | 319 | $1.8M |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $201K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $201K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $201K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 319 | $1.8M |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.