| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $8K | $38K | 9.41% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.41% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $3K | 10.87% |
| M W E SOLUTIONS, INC.3 Filed as: M. W. E. SOLUTIONS, INC. | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.02% |
| DAJOMA LLC3 Filed as: DAJOMA | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 90.00% |
| WILLIAM EDWARD THOMPSON II3 Filed as: WILLIAM EDWARD THOMPSON | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV, SUITE 200 HUNT VALLEY, MD 21031 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 28.13% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 183 | $34K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $422K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $434K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $402K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.