| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LL | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | $24K | $3K | $27K | 15.35% |
| NATIONAL BENEFITS CENTER LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | SYMETRA LIFE INSURANCE COMPANY | — | $331 | $331 | 0.19% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2330 WEST JOPPA ROAD #311 LUTHERVILLE, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.12% |
| PETER JONES3 Filed as: PETER C JONES | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 22.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.57% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $270 | $270 | 1.12% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE AGENCY | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $109K |
| Vision | VISION BENEFITS OF AMERICA | 144 | $23K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 195 | $203K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 195 | $212K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 195 | $178K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 351 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.