| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $245 | $2K | 8.94% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $588 | $588 | 2.28% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURNACE GROUP | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $408 | $5K | 21.10% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $557 | $557 | 2.56% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $316 | $2K | 15.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $401 | $401 | 2.62% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | $45 | $477 | 21.63% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $58 | $58 | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY EIN 23-2238132 TPA AND CLAIMS PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Claims processing Service code 12 | 850 N PARK ROAD P.B. BOX 7011 WYOMISSING, PA 19610 | $43K |
| SILBERSTEIN INSURANCE GROUP EIN 52-2132804 INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | $39K |
| CIGNA EIN 35-2029627 INSURANCE CARRIER | Insurance services Service code 23 | — | $18K |
| CONNECTICUT GENERAL LIFE INSURANCE EIN 06-0303370 INSURANCE CARRIER | Insurance services Service code 23 | ONE STATE STREET NEW YORK, NY 10004 | $12K |
| HINES & ASSOCIATES EIN 36-3545085 CLAIMS CONSULTING | Consulting fees Service code 70 | 115 EAST HIGHLAND AVENUE ELGIN, IL 60120 | $7K |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $26K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 102 | $418K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.