| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.34% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $166 | $166 | 0.28% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 0.13% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.20% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $633 | — | $633 | 10.30% |
| ALPHA BENEFITS GROUP INC3 | 125 EAST ELM STREET CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $560 | — | $560 | 9.11% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | UNION SECURITY INSURANCE COMPANY | $375 | — | $375 | 6.10% |
| ASSURANT3 | — | UNION SECURITY INSURANCE COMPANY | — | $264 | $264 | 4.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: LE PHAN- THE WARNER COMPANIES, INC. | 204 RIVERCREST DRIVE PHOENIXVILLE, PA 19460 | UNION SECURITY INSURANCE COMPANY | $30 | — | $30 | 0.49% |
| PHAN NHUNG LE3 Filed as: LE PHAN | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | UNION SECURITY INSURANCE COMPANY | $16 | — | $16 | 0.26% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $74K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $74K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 11 | $6K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.