| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | GHMSI/CAREFIRST BLUECHOICE | — | $54K | $54K | 3.60% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2330 WEST JOPPA RD #311 LUTHERVILLE, MD 21093 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $849 | $6K | 23.55% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $728 | $728 | 3.04% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $674 | $5K | 23.30% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $577 | $577 | 2.83% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $606 | $4K | 23.42% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $520 | $520 | 2.94% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DR SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $340 | $2K | 23.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $291 | $291 | 2.75% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 153 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $20K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $11K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 153 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.