| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $24K | 1.62% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $8K | — | $8K | 3.99% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $400 | $10K | 10.86% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSSURANCE COMAPNY | $12K | $242 | $12K | 21.14% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | METLIFE LEGAL PLANS | $1K | — | $1K | 2.81% |
| SILBERSTEIN INSURANCE GROUP3 | 2330 WEST JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | METLIFE LEGAL PLANS | — | $174 | $174 | 0.43% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE ROAD SUITE 303 BALTIMORE, MD 21209 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $135 | $7K | 21.48% |
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 | 1,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,163 | $195K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,887 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,887 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,887 | $1.5M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,276 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,276 | — |
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."
No prospect flags tripped on this filing.