| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | HARTFORD LIFE AND ACCIDENT | $107K | $11K | $117K | 11.01% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2850 QUARRY LAKE DRIVE STE 303 BALTIMORE, MD 21209 | HARTFORD LIFE AND ACCIDENT | $29K | $2K | $30K | 15.88% |
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 | 3,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts) | EYEMED VISION CARE | 2,105 | $178K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,056 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,056 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,241 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,056 | — |
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.