| 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 | $16K | — | $16K | 15.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 11.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | -$5K | — | -$5K | -4.86% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERTSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE #303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 17.90% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 18.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $320 | $2K | 5.40% |
| PETER JONES3 Filed as: PETER C JONES | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | $728 | — | $728 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $499K |
| WEST HEALTH ADVOCATE SOLUTIONS, INC EIN 23-3080019 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $15K |
| WAGEWORKS EIN 94-3351864 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $1K |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 344 | $103K |
| Vision | VISION BENEFITS OF AMERICA | 286 | $15K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $147K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $56K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 355 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.