| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, OH 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $13K | $43K | 16.62% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.73% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 9.40% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | -$67 | $0 | -$67 | -0.04% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $157K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 636 | $157K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $260K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $260K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $260K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.