| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.23% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | DOMINION NATIONAL | $3K | $0 | $3K | 7.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2330 WEST JOPP RD, #311 LUTHERVILLE, MD 21093 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $3K | $0 | $3K | 20.00% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY & AMP, ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $872 | $0 | $872 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | — | $569 | $569 | 3.26% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | EYEMED VISION CARE | $637 | $0 | $637 | 8.40% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFITS STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $191 | $0 | $191 | 2.52% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DOMINION NATIONAL | 122 | $51K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $101K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $101K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $101K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.