| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 19546 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $128K | $128K | 5.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 15826 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.11% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.99% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2 | $5K | $5K | 5.52% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.49% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 21.62% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$8 | $4K | $4K | 5.41% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 22.00% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$7 | $3K | $3K | 5.50% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.61% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $885 | $885 | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $118 | $118 | 0.67% |
| MCQUADE CONSULTING LLC3 Filed as: MCQUADE CONSULTING, A DIVISION OF D | 307 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.88% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8630 DELMAR BOULEVARD SUITE 100 ST LOUIS, MO 63124 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.43% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SIG- SILBERSTEIN INSURANCE GROUP | 2850 QARRY LAKE DRIVE #303 BALTIMORE, MD 21209 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.02% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 19.77% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $604 | $604 | 4.94% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | — | $28 | 0.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3 | $3 | 0.02% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $535 | $535 | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $61 | $61 | 0.57% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 21.62% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | $508 | $507 | 5.41% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 20.00% |
| BENEFIT MALL3 Filed as: BENEFIT MALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $80 | $80 | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9 | $9 | 0.56% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 318 | $15K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $84K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $105K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $62K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.