| 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 | SYMETRA LIFE INSURANCE COMPANY | — | $8K | $8K | 2.09% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $870 | $870 | 0.24% |
| SIG3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | TELADOC | $3K | — | $3K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD B SILBERSTIEN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.87% |
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 | 1,181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,694 | $105K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,312 | $361K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 51 | $16K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,312 | $361K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,464 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,694 | — |
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."
No prospect flags tripped on this filing.