| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 300 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 10.20% |
| NATIONAL CAPITAL ADMINISTRATIVE SER3 | 6201 FAIRVIEW ROAD SUITE 300 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $7K | $7K | 2.26% |
| NATIONAL CAPITAL ADMINISTRATIVE SER3 | 3928 PENDER DRIVE SUITE 100 FAIRFAX, VA 22030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.76% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | $13K | $3K | $16K | 14.46% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | DOMINION NATIONAL | $4K | — | $4K | 7.92% |
| SILBERSTEIN INSURANCE GROUP3 | 2330 W JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | DENTAQUEST | $822 | — | $822 | 3.50% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE DENTAL NETWORK | $2K | $28 | $2K | 11.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CONTRACT ADMIN | Claims processing Service code 12 | — | $1.0M |
| DISCOVERY EIN 90-0058554 CONTRACT ADMIN | Claims processing Service code 12 | — | $8K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DOMINION NATIONAL | 302 | $89K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 346 | $109K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $109K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 250 | $324K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 350 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.