| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP, LLC. | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $371 | $0 | $371 | 0.10% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 9.33% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP, LLC. | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | PRINCIPAL LIFE INSURANCE COMPANY | $743 | $0 | $743 | 9.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $102 | $102 | 1.27% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 142 | $988K |
| Dental | AETNA LIFE INSURANCE COMPANY | 142 | $360K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $101K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $101K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 142 | $988K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.