| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 4.25% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC. | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BOULEVARD SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| MARK STONER3 | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $801 | $60 | $861 | 5.75% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | AFLAC | $455 | $0 | $455 | 3.04% |
| DAVID MORNINGSTAR3 Filed as: DAVID MORNINGSTAR AND OTHER AGENTS | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $215 | $0 | $215 | 1.44% |
| MARCI COHEN3 | 1155 SHORTLEAF CIRCLE SYKESVILLE, MD 21784 | AFLAC | $203 | $0 | $203 | 1.36% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $100 | $14 | $114 | 0.76% |
| JULIA WYNKOOP3 | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $95 | $0 | $95 | 0.63% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $90 | $0 | $90 | 0.60% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $137K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $137K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.3M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.