| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 7.14% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 13.34% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 13.36% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $5K | $15K | 14.02% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $4K | — | $4K | 5.02% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $4K | $15K | 19.75% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $12K | 19.17% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.88% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $971 | $455 | $1K | 14.69% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $319 | — | $319 | 8.89% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $196 | $92 | $288 | 14.70% |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 530 | $80K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 719 | $93K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $200K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 682 | $306K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 964 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.