| 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 | AETNA HEALTH INC | $99K | — | $99K | 2.04% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.73% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $6K | $46K | 22.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $4K | $34K | 22.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $3K | $33K | 22.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.96% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $3K | — | $3K | 4.99% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.25% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $995 | $5K | 24.73% |
| GIS OF ILLINOIS3 Filed as: GIS BNEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.29% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP INC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $418 | $2K | 27.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $290 | $290 | 5.01% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC | 785 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 917 | $279K |
| Vision | VISION SERVICE PLAN | 592 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $151K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $201K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $149K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.