| 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 | $39K | $223 | $40K | 4.54% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.25% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $578 | $358 | $936 | 1.11% |
| MARK D STONER3 Filed as: MARK D. STONER | 10170 CAPE ANN DRIVE COLUMBIA, MD 21046 | AFLAC | $416 | $53 | $469 | 3.33% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD B. SILBERSTEIN | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | AFLAC | $220 | $0 | $220 | 1.56% |
| MARCI COHEN3 | 10100 TWIN RIVERS ROAD SUITE 423 COLUMBIA, MD 21044 | AFLAC | $218 | $0 | $218 | 1.55% |
| JULIA WYNKOOP3 Filed as: JULIA E. WYNKOOP | 12685 AMBERLEIGH LANE LA PLATA, MD 20646 | AFLAC | $89 | $0 | $89 | 0.63% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $84 | $0 | $84 | 0.60% |
| DAWN M WITTFELT3 Filed as: DAWN M. WITTFELT | 810 RIVER ROAD SYKESVILLE, MD 21784 | AFLAC | $53 | $0 | $53 | 0.38% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $47 | $0 | $47 | 0.33% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $873K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $887K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $873K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $99K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $99K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $84K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $873K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.