| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | GHMSI/CAREFIRST BLUECHOICE | $36K | $11K | $47K | 3.63% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | DOMINION NATIONAL | $4K | — | $4K | 10.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 161 | $1.3M |
| Dental | DOMINION NATIONAL | 85 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $18K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $9K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 161 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.