| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GRP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA HEALTH INC | $26K | $0 | $26K | 4.64% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA LIFE INSURANCE CO | $13K | $0 | $13K | 4.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVE, SUITE 401 ROCKVILLE, MD 20850 | AETNA LIFE INSURANCE CO | $126 | $0 | $126 | 0.04% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | HARTFORD LIFE AND ACCIDENT | $4K | $70 | $4K | 13.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $0 | $84 | $84 | 0.32% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $993 | $0 | $993 | 4.25% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 212093748 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 11.01% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 51 | $322K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 24 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $12K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $26K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.