| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | CAREFIRST BLUE CHOICE | $50K | $25K | $75K | 3.72% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | SIX NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUE CHOICE | $0 | $22K | $22K | 1.10% |
| JOHN A LECKLITER3 Filed as: JOHN JOSEPH HORRIGAN | 2594 RIVA ROAD ANNAPOLIS, MD 21401 | NORTHWESTERN MUTUAL | $3K | $850 | $4K | 8.63% |
| R TODD GRANDY3 Filed as: R. TODD GRANDY | 111 SOUTH CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $823 | $230 | $1K | 2.15% |
| SCOTT IODICE ASSC LLC3 | 111 SOUTH CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $839 | $101 | $940 | 1.92% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.91% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | SIX NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 315 | $2.0M |
| Vision | CAREFIRST BLUE CHOICE | 315 | $2.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $43K |
| Long-term disability | NORTHWESTERN MUTUAL | 284 | $49K |
| Prescription drug | CAREFIRST BLUE CHOICE | 315 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.