| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN CHESTERTOWN, MD 21620 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.25% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 14.39% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.67% |
| NORTH AMERICAN BENEFITS COMPANY5 | UNKNOWN CHESTERTOWN, MD 21620 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.75% |
| JAMES R WORTHY4 Filed as: JAMES R. WORTHY | 519 BOND AVENUE REISTERSTOWN, MD 21136 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | $0 | $242 | 2.72% |
| SILBERSTEIN INSURANCE GROUP4 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | $0 | $242 | 2.72% |
| PHILLIP J SEAMAN JR4 Filed as: PHILLIP J. SEAMAN JR. | 551 HIDDEN STREAM COURT WESTMINSTER, MD 21158 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | $0 | $242 | 2.72% |
| REGINALD GANT4 | 3423 JANVALE ROAD WINDSOR MILL, MD 21244 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | $0 | $79 | 0.89% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $901 | $0 | $901 | 10.97% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $84K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 138 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 233 | $28K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 27 | $17K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 233 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.