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Sponsor portfolioWelfare / HealthEIN 45-2653391
VERBAL BEGINNINGS, LLC
7120 SAMUEL MORSE DRIVE, SUITE 150 · COLUMBIA, MD 21046
8883445977
- Plans filed
- 3
- Years active
- 2022–2026
- Industry
- NAICS 62
- Latest filing
- 2026
Total premiums (latest)
$1.9M
No prior year
Persons covered
770
No prior year
Total participants
770
No prior year
Plans filed
3
No prior year
Plans under this sponsor
3 plans
Plan #503$1.9M
VERBAL BEGINNINGS, LLC HEALTH AND WELFARE PLAN
Fully insured770 covered·3 carriers
Primary: CAREFIRST
Plan #501$936K
VERBAL BEGINNINGS, LLC HEALTH AND WELFARE PLAN
Fully insured254 covered·1 carrier
Primary: CAREFIRST OF MARYLAND, INC.
Plan #502$9K
VERBAL BEGINNINGS LIFE INSURANCE PLAN
Fully insured162 covered·1 carrier
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $1.7M | 23.3% | |
| Dental | $1.7M | 23.3% | |
| Vision | $1.7M | 23.3% | |
| Prescription drug | $1.7M | 23.3% | |
| Other | $133K | 1.8% | |
| Life | $122K | 1.6% | |
| Short-term disability | $122K | 1.6% | |
| Long-term disability | $122K | 1.6% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 521385894 | HRxDV | $1.7M | 92.9% | 1 | 1 | 364 |
EIN 350472300 | LSTDLTDOth | $122K | 6.5% | 1 | 1 | 103 |
EIN 233080019 | Oth | $11K | 0.6% | 1 | 1 | 770 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP | BALTIMORE, MD | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, CAREFIRST | $33K | $179K | $213K | 95.0% | 1 |
| GIS BENEFITS INC | MORRIS, IL | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.4% | 1 |
| GCG FINANCIAL LLC | DEERFIELD, IL | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.5% | 1 |
History & trajectory
5 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan