| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERTSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE #303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.90% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERTSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE #303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.20% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 20.20% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $439 | $2K | 5.37% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $328 | $45 | $373 | 1.05% |
| PETER JONES3 Filed as: PETER C JONES | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERTSTEIN INSURANCE AGENCY | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERTSTEIN INSURANCE GROUP | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION BENEFITS OF AMERICA | $501 | — | $501 | 4.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS - ALLIANT INC | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | VISION BENEFITS OF AMERICA | $94 | — | $94 | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $731K |
| CHOICE STRATEGIES EIN 94-3351864 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 292 | $86K |
| Vision | VISION BENEFITS OF AMERICA | 126 | $12K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $183K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $54K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.