| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA HEALTH, INC. | $41K | $0 | $41K | 4.49% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | UNKNOWN LINTHICUM HEIGHTS, MD 21090 | AETNA LIFE INSURANCE COMPANY | $0 | $199 | $199 | 0.04% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 7.82% |
| BISHOP LONA3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.43% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.02% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN RICHARD | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $740 | $0 | $740 | 3.61% |
| WARE MARK A3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.45% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GORUP | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $181 | $181 | 1.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | PRINCIPAL LIFE INSURANCE COMPANY | -$184 | $0 | -$184 | -1.64% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 184 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 184 | $515K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $123K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $123K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $123K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 184 | $1.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.