| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | $115K | $42K | $157K | 2.74% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VI 221822245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 15.86% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1595 SPRING HILL ROAD SUITE 140W VIENNA, VA 221822228 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 25.21% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $11K | 15.87% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $906 | — | $906 | 1.26% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 15.81% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | — | $614 | 1.26% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $914 | $7K | 15.97% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $501 | — | $501 | 1.17% |
| ADVANCED BENEFIT STRATEGIES INC3 | 1595 SPRING HILL ROAD SUITE 140W VIENNA, VA 221822249 | VISION SERVICE PLAN | $1K | — | $1K | 4.66% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | VISION SERVICE PLAN | $120 | — | $120 | 0.51% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 375 | $5.8M |
| Vision | VISION SERVICE PLAN | 193 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $72K |
| Prescription drug | GHMSI | 375 | $5.8M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
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.